Using a Mortgage Adviser on your home-buying journey

In today’s market the banks are fighting for everyone’s business. But, is a generous cash incentive the best reason to choose who you have your mortgage with?

That is where a Mortgage Adviser (or Broker as they used to be called) comes in. They know mortgages inside out. They deal with them every single day. By having a Mortgage Adviser beside you on your home-buying journey, you will have someone to guide, support and advocate for you every step of the way.  


  • Choosing a lender for your mortgage can be time-consuming. Our Mortgage Advisers know the lenders and their criteria, including bank and non-bank options.
  • If the bank said ‘no,’ an Adviser can present some other options or work with you so you are in a better position for the bank to say ‘yes.’
  • Mortgage Advisers don’t work for the lender. They work for you and negotiate with the lenders on your behalf to get the best solution for your situation. 


  • Bank employees are limited in the range of products they can give you advice on. Our qualified Mortgage Advisers are able to give you a full scope of advice, and they have your best interest at heart. 
  • Our Mortgage Advisers like to look at the big picture, this includes your short-term and long-term goals. They give advice for your unique circumstances and challenges while highlighting any risks involved.
  • Our Mortgage Advisers are experts in their field. They are up-to-date with the latest interest rates, market conditions and application processes.


  • We are with you for the long haul. Long after the ink dries, our door is always open to you.
  • They can recommend specialists to build your ‘dream team’ e.g. lawyers and valuers.
  • Cole Murray also offers other advice services for insurance, KiwiSaver and investments. Your Mortgage Adviser will be able to introduce you to these experts if you require them.

Meet our Mortgage Advisers

We have Mortgage Advisers based in Hastings, Napier, Waipukurau and Wairoa. They can assist you wherever you are in New Zealand and even the world. Get in touch today to find out more.

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