Mortgages, Insurance and KiwiSaver, made simple as.

What's Your Goal?

Buy my first home

Refinance with ease

Get the right insurance cover

Make sense of my kiwisaver

Our Services

Why Cooper?

Wholistic financial approach

Our wholistic approach means you won't have to explain your situation twice - we connect mortgage, insurance & kiwisaver so nothing falls through the cracks.

Comprehensive knowledge, without the jargon

We've mastered the complexities of mortgages, insurance, and KiwiSaver so you get clear, usable advice without needing a financial dictionary.

Transparency & Honesty

We've built our reputation on transparency, clear recommendations, and honest conversations about what's truely possible for your financial situation. No hidden agendas and no surprises.

What our clients are saying

Testimonial Carousel
★★★★★
"Outstanding Service From Michael!"
Buying a property for the first time is tough in itself and having a great team to help you with the whole process makes all the difference. I was lucky enough to have received an outstanding service from Michael Cooper of Cooper Mortgages who had not only been very open to hear about my present circumstance, he had also used his knowledge and expertise to give us financial advice that's tailor fit to our situation. He's very reliable in terms of being proactive on updates as well as making sure all our queries via email and SMS are replied on. Overall satisfied with the excellent service we received :)
— Kimberley Titoy
★★★★★
"Lending Advice Was Simply the Best!"
In our recent Refinancing, Michael of Cooper Mortgages provided great customer service and was brilliant at communicating with us and keeping everyone in the loop at all times. He responds quickly and clearly. He works tirelessly on our behalf and is patient with us in explaiing the options and details. He looked at all alternatives and advised us of the pro's and con's of each one to ensure we had options and made the best financial decision. His lending advice was simply the best! We would highly recommend Michael as the best Mortgage Broker we have ever used or come across and we will be referring him to all our family and friends.
— Marc Fisk
★★★★★
"reliable, knowledgeable, and client-focused"
I had an outstanding experience with Cooper Mortgage! From the very beginning, their team was professional, responsive, and incredibly supportive. My mortgage consultant, Michael, went above and beyond to guide me through the entire process. They took the time to explain everything clearly, answered all my questions, and made sure I felt confident every step of the way. What really impressed me was their attention to detail and commitment to finding the best solution for my needs. Thanks to their expertise and dedication. The entire process was smooth, efficient, and stress-free. I highly recommend Cooper Mortgage to anyone looking for a reliable, knowledgeable, and client-focused mortgage company. They truly care about their clients and deliver exceptional service. Thank you, Cooper Mortgages, for making this such a positive experience!
— Mahen Peiris
★★★★★
"Outstanding Experience - Secured the Best Loan"
We had an outstanding experience working with Michael as our mortgage broker. From start to finish, he went above and beyond to secure the best possible loan for us. His professionalism, deep knowledge of the process, and constant communication made a typically stressful experience feel smooth and manageable. Michael was always available to answer our questions and took the time to explain every step, ensuring we felt confident and informed throughout. Thanks to his hard work and dedication, we secured the loan we needed — and we couldn't be more grateful. Highly recommended!
— Raghbendra Rana
★★★★★
"Amazing from our first contact to post settlement"
Michael was amazing from our first contact to post settlement. He guided us through the process answering all our questions and giving us clarity in a confusing at times process. His recommendations for various services were spot on and was always available to answer questions and provide guidance. Everything we asked of him he did or provided sound reasons through his years of experience. The fact we weren't in the same city never caused any issues and in fact probably benefited us in many ways. I would and have recommended Michael to anyone that will listen and will be keeping his details close at hand for any future services and re-fixing of rates.
— Tai Kingi
★★★★★
"Smooth and Stress-Free Process"
I just want to give a huge thank you to Cooper Mortgages for making the mortgage process so smooth and stress-free. Your expertise, guidance, and responsiveness made all the difference, and I truly appreciate all the effort you put into helping us find the right solution. Highly recommend!
— Douw Van Vuuren
★★★★★
"Got Us a Better Deal Than Going Direct to the Bank"
James Puah was referred to me by a friend and colleague at work who, at that time, was also looking for a house. I was hesitant at first because I thought I would get a better interest rate if I went directly to the bank. However, after doing further research, I learned that it's actually better to get a mortgage advisor—and that proved true. James was able to get us a better deal with the bank compared to my friends who went directly to the bank. He also guided me on what to do when our vendor turned out to be uncooperative regarding a maintenance issue. James has been very helpful even in matters outside the scope of his work—sometimes even beyond working hours! His genuine concern for his clients is something I truly admire, as it's rare to see these days. He answers all my questions patiently, which is impressive considering the number of clients he has. He is the best mortgage advisor you could ever have, and my husband and I are forever grateful to him. God bless you more, James!
— JB
★★★★★
"Got the Best Deal Available"
Michael was great to deal with and got the best deal available at the time for me to refix my mortgage. I was a bit hesitant of changing banks after being with Westpac for 40 years but they offered absolutely no incentive or weren't even interested in trying get me to stay with them. Michael recommended some good rates at Kiwibank and although the savings were minimal, the lack of service from Westpac made this decision very easy. Michael answered any questions I had and made this process which I thought could be a bit overwhelming very easy and was also very easy to get in touch with which was great! Would definitely recommend getting in touch with Michael for any of your mortgage or lending requirements.
— Darren
★★★★★
"Patient, Transparent, and Reassuring"
Our Mortgage Adviser - James Puah was a huge help throughout our entire home-buying journey. From the very beginning, he was always quick to reply (even at odd hours!) and made us feel completely at ease. We really appreciated that he never judged our spending habits or asked us to "clean up" our accounts before getting started—he simply worked with what we had and guided us step by step. He supported us with every property we considered, providing detailed insights on comparable sales and giving honest financial advice before we made any offers. It was clear that he genuinely cared about helping us make the right decision, not just closing a deal. What stood out the most was how patient, transparent, and reassuring James was. He never pressured us, always kept us informed, and made sure we understood each stage of the process. Thanks to his help, we were able to confidently buy our first home! We couldn't recommend him more highly!
— Ivy Macapagal
★★★★★
"Communication was Epic, Efficient and Fast!"
Couldn't recommend Michael and the team at cooper mortgages more highly. Communication was epic, they were efficient and fast and really helped us out of a bind. Won't be going anywhere else!
— Josh Sanford
★★★★★
"Turned Our Wildest Dreams Into Reality"
We came to James Puah just to get to know the basics of what goes into buying a house. He was immediately receptive and very encouraging, even taking calls with us late into the night. It made us realise we were pretty much ready to start looking. We sent him plenty of houses to get his opinion and he was very straight up with us, clearly keeping our best financial interest as the most important factor. We didn't feel rushed at all through the process. James goes beyond just getting you in a house, he has a good grasp of general financial principles, what the banks want to see when your applying and what houses are going give you the best bang for your buck. He turned our wildest dreams into a reality and we are very grateful for his guidance. Definitely recommend if you're looking for a trusted MA.
— Chantelle Dalbeth
★★★★★
"Highest Recommendation - Made Me Feel Heard"
Cooper Mortgages comes with my highest recommendation. I found the bank difficult to work with and unwilling to see me for more than a number. Michael made me feel heard and provided clear communication and the result I was hoping for.
— Joe Youssef
★★★★★
"communication throughout was fantastic"
Michael at Cooper Mortgages was absolutely fantastic and really got us sorted. From day one we were updated regularly and his communication throughout was fantastic. Not only did he give great advise, he took the stress out of the whole process. He gave us great lending advise, but also helped us with future budgets and will keep an eye over our mortgage when it comes off it's fixed term. I have full trust in him to continue to help us with our mortgage in the future. Thank you Michael.
— Grant McNeil
★★★★★
"Amazed by Communication and Customer Service"
We recently worked with Micheal and were absolutely amazed by his communication and customer service with us. He provided valuable lending advice customised to our needs and guided us through the entire process. He made every little step less stressful for us and we would highly recommend him to anyone wanting to take this journey! Thank you again Michael!
— Alannah Hendren
★★★★★
"Made the Impossible Feel So Easy"
After feeling like buying a home was not possible, we found James through the first home buyers Facebook group. James has been excellent throughout our first home buying journey! He was quick, clear and concise. No question went unanswered. James made what we thought was too difficult and maybe impossible, possible and made it feel so easy. Thank you James for making it possible for us, we finally did it! We teamed up with James and agent Frank Liang, the absolute perfect duo! We did it!
— Samantha Overhoff
★★★★★
"Efficient, Helpful, and Great Deal"
I really enjoyed working with Michael. He was efficient, helpful and assisted me in getting a great deal, also ensuring a smooth process. I have used Michael in the past for lending and I will definitely do this again in future. Great customer service and helpful advice and easy to deal with. 10/10 would recommend.
— Chelsea Stevens
★★★★★
"Thank you so much!"
I am so happy I chose Michael from Cooper Mortgages. He was very patient with me and had plenty of advice to offer as a first-time home buyer. I was so nervous, and Michael made me believe my dream can also come true. Wow, now I can say proudly, thanks to Michael. I'm now a first-time home owner. I highly recommend Michael at Cooper Mortgages. Once again, THANK YOU so much, Michael.
— Susan Tuaniu
★★★★★
"Hassle-Free Exchange for Investment Journey"
I brought two homes using Michael as my mortgage brooker and without a doubt, I will continue to use him in the future. Thank you Michael for a hassle free exchange and for making my investment journey easy and enjoyable 😊 definitely AAA+++
— Arihia Tito
★★★★★
"Available Even After the Sale Was Completed"
As first home buyers the process quickly became quite stressful but we were so lucky to have the support of James Puah, he was incredibly knowledgeable at every point of the process making it significantly easier for us and helped us to get the best options available as well as explaining the pros and cons of everything. Even after the sale has been completed and we have moved in, James has still been available to help us navigate things related to the house. If we ever need to purchase property again we would 100% work with James again and would very much recommend others to do the same. Thanks again James
— Soe Pah
★★★★★
"Excellent lending advice and over all service!"
A big shout out to Michael Cooper for what we define as excellence! From our first online meeting , right through our purchase experience. As our first home , we were absolutely amazed how easy the whole transaction went! Thank you Michael for your outstanding customer service, your excellent lending advice and over all service! Greetings from the van der Walt family from Palmerston North.
— Johan van der Walt

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Rate of the day is the lowest 1-year special mortgage rate available across the selected lender category. This represents the best value option for borrowers with a 20%+ deposit.

Rate of the Day

1 Year Fixed

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The Big Five banks dominate New Zealand's mortgage market, originating the vast majority of residential loans. They offer competitive rates and comprehensive lending products.

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Disclaimer: These rates are updated hourly but may not always reflect real-time changes. Rates shown are for reference only and may include special conditions, LVR requirements, or eligibility criteria. We recommend confirming current rates directly with your lender or mortgage adviser before making any decisions. Data source.

Resources to get you started

Rate comparison tool (Live)

See what NZ lenders are actually offering right now. Compare rates and terms in one place. Updated hourly so you're always looking at current numbers.

Mortgage repayment calculator

Find out what your mortgage repayments could be. Play with loan amounts, rates and terms to see what fits your budget

First home buyers guide

Buying your first home doesn't have to feel overwhelming. This free guide walks you through all 10 steps - so you know exactly what happens next, and what to prepare for.

New Home Loan Quiz

Wondering if you'd actually get approved? This 40-second quiz gives you a realistic answer - so you know whether to start looking, or what to fix first.

Get guidance that makes sense for your situation

Sometimes you just need to talk to someone who can make the complicated clear. Our advisors take the time to understand your situation and give you practical, straightforward guidance.