Clear. Simple. Borrowing.
CSB Mortgages was built on a simple idea — that getting a mortgage should be straightforward, transparent, and actually work in your favour. We're a New Zealand mortgage adviser committed to plain-English advice and putting clients first, every time.
Our story
Built around what borrowers actually need
Too many New Zealanders walk into a bank, accept whatever rate they're offered, and spend years paying more than they should. CSB Mortgages exists to change that.
As an independent adviser, we're not tied to any single lender. That means our only job is to find you the right loan — the right structure, the right rate, and the right fit for your life — not to hit a sales target.
Whether you're buying your first home, upsizing, investing, or just wondering if your current mortgage is still working for you, we're here to help — at no cost to most residential borrowers.
What CSB stands for
Our three principles
The process
How we work with you
From first conversation to getting the keys — here's what working with CSB Mortgages looks like.
Free consultation
Tell us about your situation — buying, refinancing, or just exploring. No commitment required.
We shop the market
We compare rates and structures across our full lender panel to find the best fit for you.
Application & approval
We handle the paperwork, liaise with lenders, and keep you updated at every step.
Settlement & beyond
We're here after settlement too — reviewing your rate at each fixed term and as your life changes.
Why CSB Mortgages
On your side, from day one
- Independent — we work for you, not the bank
- Access to a wide panel of NZ lenders
- Free service for most residential borrowers
- Plain-English advice, no pressure
- Full support from application through to settlement
- Ongoing reviews to keep your rate competitive
Licensing
FSP XXXXXXX
Financial Advice Provider registered under the Financial Markets Conduct Act 2013
Dispute resolution
FSCL Member
Financial Services Complaints Ltd — free, independent dispute resolution for clients
Disclosure
Full transparency
We receive commission from lenders. Our adviser disclosure statement is available on request.
Let's talk about your mortgage
Whether you're ready to apply or just have questions — a free, no-obligation conversation is always the best place to start.