Making Mortgages Make Sense
Mortgage Advisor making home loans easy
I'm a Mortgage Advisor based in Hamilton, Waikato, helping people all over New Zealand take the stress out of getting a home loan, whether you're buying your first place, refinancing, or building a property empire one step at a time. Think of me as your money-smart, mortgage-savvy sidekick.
How I can help
I'll tailor a strategy that works for you and stick with you through every step of your home purchase, refinance or new investment.
First Home Buyers The home loan process doesn’t need to feel overwhelming. I’ll walk you through every step.
Refinancing & RestructuringIt’s not just about a better rate. It’s about structuring your loan so it works for you now and in the future.
Property InvestorsI’ll help you make strategic lending decisions that grow your portfolio without unnecessary risk.
The best part: my service is free of charge, with no obligation.
Hey, I'm Brooke
I’m a Mortgage Adviser available nationwide who aims to take the stress out of getting a home loan. With a background in accounting and a serious love for property, I translate all the bank jargon, chase the best deals, and make the whole process way less scary. Think of me as your money-smart, mortgage-savvy sidekick helping you make confident moves in property. I can't wait to help you on your property journey!
"Highly recommend Brooke McGougan, she was absolutely amazing!"
After being rejected many times from banks due to the property type I was trying to purchase, I went to Brooke. Brooke's skill blew me away, she hunted to find me the right bank, that would suit. Brooke did not give up, she was my strength, she counselled me and held my hand through the whole process of buying my first home. She even negotiated a much higher than excepted cash back. Thank's Brooke.
Absolutely amazing service, high level of skill, amazing connections/contacts, kind and caring, & supportive! Can not recommend enough.
Laura Drury
Read how I've made my clients day...
"We’re extremely happy with the result Brooke achieved for us and wouldn’t hesitate to recommend her to anyone looking to refinance or arrange additional lending. She was easy to talk to, answered all our questions and got everything sorted in a timely manner. We will be using her again."
Shevorne Pollock
"Brooke was absolutely incredible in helping our family of four buy our first home. From day one, she held our hand through the entire process and explained everything in simple, easy-to-understand terms, which made something that felt overwhelming suddenly feel manageable. Nothing was ever too much trouble."
Grant and Emma McLaggan
"Brooke was an absolute legend in helping me secure my first home loan. As a first-home buyer, I had so many questions, and Brooke explained everything clearly, patiently, and without ever making me feel silly. She made the whole process way less stressful (and even enjoyable!). I genuinely couldn’t have done this without her — highly, highly recommend."
Rebecca Shaw
"We can not recommend Brooke enough, she made the process of buying our first home so much easier then expected. Brooke is so knowledgeable and helpful, no question unanswered. We are very grateful to have found such a wonderful Mortgage Broker."
Samantha Searle
"Brooke was amazing! I was purchasing my first house and had absolutely no idea what I was doing. Brooke went over and above, answering my hundred questions at any time and always kept me updated and on track each step of the way. Would recommend her to anyone wanting to buy a house. She really does make the process stress free and goes out of her way so you can enjoy your home buying experience."
Leah Williams
"Brooke was efficient, effective and easy to work with. We were very naive about Mortgages and she was extremely knowledgeable and explained everything we asked. She was accessible whenever we needed her and the whole process of getting a mortgage through her was seamless. I would highly recommend her and will be using her again for future borrowing."
Talia Kavanagh
Frequently Asked Questions
Do I need to be based in Hamilton to work with you?
Not at all. I'm based in Hamilton, Waikato, but I work with clients all over New Zealand, everything can be done over phone, video call, or email.
Do I need a deposit to get a home loan in New Zealand?
Most lenders ask for at least a 10-20% deposit, though first home buyers may be eligible to have as little as 5%. This can vary depending on your situation. I'll help you work out what you actually need and what options are available to you.
Is it better to go through a mortgage adviser or straight to my bank?
A bank can only offer you their own rates and products. As a mortgage adviser, I work with and for you, putting your best foot forward. I compare options across multiple lenders to find the deal that actually suits you, and it doesn't cost you anything extra. I believe that’s a huge perk of working with a mortgage advisor.
How much does it cost to use a mortgage adviser?
In most cases it cost you nothing. My mortgage advisory service is usually paid by the lender once your loan settles, not by you.
Can you help if I'm self-employed or have a non-standard income?
Yes. I work with all kinds of income situations and can help you present your application to the right bank in the best possible light.
What's the difference between refinancing and restructuring?
Refinancing usually means switching lenders for a better deal. Restructuring is about reshaping your existing loan (splitting it, changing terms, adjusting repayments) so it works better for your current goals.
How long does the home loan process take?
It varies, but I'll keep you updated at every step so you're never left wondering what's happening.
Do you only help first home buyers?
Not at all. I work with first home buyers, people refinancing, and property investors building a portfolio.
Mortages made easy?
Get yourself a savvy sidekick. Book a free consult with Brooke.
Your money-smart, mortgage-savvy sidekick, Made Mortgages is based in Hamilton but helps Kiwis all over New Zealand buy, refinance and invest with confidence. Free service, no obligation.
Brooke McGougan - Mortgage Adviser
Phone: 027 469 9459
Email: brooke@mademortgages.co.nz
Hours: Monday - Sunday, Open 24 Hours