Mortgage Adviser Whangarei

Talking to a mortgage adviser in Whangarei who truly gets it makes all the difference

Hi, I’m Clare, trusted mortgage adviser in Whangarei. For over 25 years, I’ve been helping people secure mortgages and purchase property. Whether you’re buying your very first home, refinancing for a better deal, expanding your investment portfolio, or topping up your loan for that long-awaited renovation, I’ve seen it all - and I know exactly how to guide you through every step.

My path into financial services started with a BMS at Waikato University. From there, I joined ASB and later worked at the Bank of New York in the UK. Back home in New Zealand, I managed home loans with a non-bank lender and then supported home loan clients right across Northland. Now, operating independently as CB Mortgages in Whangarei, I’m committed to offering expert mortgage advice tailored precisely to your needs, so you can make confident decisions throughout your homeownership journey.

CLARE BOURKE MORTGAGES LIMITED - FSPR Number: FSP1009510

Clare Bourke, Mortgage adviser Whangarei. Standing with her arms crossed with a green tree out of focus in the background
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Talk to Clare Now On
021 488 994

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If you’re looking for a Mortgage Adviser in Whangarei who puts your needs first, I’m here to help you achieve your goals with confidence.

As an experienced Mortgage Adviser in Whangarei, I take the stress out of securing the right home loan by doing the hard work on your behalf. My role is simple - to represent your interests, not the banks.

Finding the right deal for you

I compare over 20 New Zealand banks and lenders to find loan options that suit your situation. You won’t pay any fees for my advice - I’m paid by the lender you choose, and I use my negotiating power to secure competitive rates and discounts wherever possible.

Saving you time and simplifying the mortgage process

From research to application, I handle the full process for you. That means less paperwork, fewer headaches, and clear guidance at every step. No jargon - just straightforward explanations so you can make confident decisions.

Independent advice you can trust

I work for you, not shareholders or bank targets. My advice is based on what works best for your goals, whether you’re buying your first home, refinancing, or planning your next move.

Making moving in and out easy

When it’s time to refinance, restructure, or upgrade, I help manage the transition smoothly, ensuring your lending continues to support your lifestyle and financial plans.

Helping you protect what matters

I can also connect you with trusted providers for home and contents insurance, as well as life and income protection cover, giving you peace of mind if the unexpected happens.

Supporting your long-term financial growth

Beyond today’s loan, I help put a plan in place for the future. Whether your goal is property investment, debt reduction, or financial security, I provide practical solutions to support your journey.

Using a Mortgage Adviser in Whangarei is Your Pathway to Smarter Lending

After 25+ years in finance, I’m still passionate about turning the home loan process into a positive experience for everyday Kiwis. As your mortgage adviser in Whangarei, I understand that a mortgage isn’t just about numbers - it’s about creating a secure and fulfilling future.

Mortgage Advice

Whether it’s your dream home or your next big investment, I'm your mortgage adviser in Whangarei here to help you find the perfect mortgage match.

Mortgage Advice

Loan Structuring

Fixed or floating? Split accounts? Interest-only or paying it down? Deciding can be difficult. Let's set up your lending to suit you.

Loan Structuring

Mortgage Refinancing

Stuck with a boring old mortgage? Let’s review it and find you a better deal (and maybe some extra cash for the fun stuff too).

Mortgage Refinancing

First Home Buyers

From KiwiSaver hacks to government grants, I'll guide you through every step of buying your first home - it's never too early to start working towards this goal!

First Home Buyers

Investment Property Lending

Let's structure your loans to help you grow your portfolio smartly and squeeze the most out of every dollar.

Investment Properties

Loan Top Ups

Need funds for a renovation, a new car, a shiny boat, or that trip you've been daydreaming about? Clare can help you look at the options available.

Loan Top Ups

A Mortgage Adviser Helps With Home Loan Application Management

Hate paperwork? I’ve got you. We’ll handle the forms, chase the banks, and make sure your loan sails smoothly to settlement and beyond.

MORE INFORMATION

Mortgage Advice Frequently Asked Questions (FAQs)

How much does your service cost?

In most cases, my service is free to you. I’m paid a commission by the lender once your loan settles. If there are any fees involved, I’ll always let you know upfront so there are no surprises.

Why should I use a mortgage adviser in Whangarei instead of going directly to the bank?

As an adviser, I work with a range of lenders, not just one. This means I can compare interest rates, loan features, and lending criteria to find the best fit for your goals.

Can you help if I’m a first home buyer?

Absolutely! I love working with first home buyers. I’ll guide you through everything from understanding your borrowing power to applying for KiwiSaver withdrawals and navigating legal steps.

How much can I borrow?

This depends on your income, expenses, current debts, deposit, and the lender’s criteria. I’ll assess your situation and give you a realistic idea of what you can borrow.

Can you help if I have bad credit or irregular income?

Yes. I often work with clients who are self-employed, have non-standard income, or credit issues. I have access to specialist lenders who look beyond the usual tick-boxes.

Can you help with refinancing or restructuring my current loan?

Definitely. Whether you want to get a sharper rate, top up your loan, or consolidate debt, I can review your current loan and help you explore your options.

I'm self-employed. Can you help me with business finance?

Yes, I specialise in helping business owners access tailored finance solutions, whether it’s for growth, cashflow, or asset purchases.

Can you help me find insurance to protect my family and assets?

I sure can. I’ll connect you with the right expert to help you secure cover for your home, income, mortgage, life, health, and more.

Can you assist with my KiwiSaver withdrawal for a first home?

Yes! I’ll guide you through the KiwiSaver withdrawal process and advise you of the steps along the way.

Working with CB Mortgages:

  • 1 We get to know you, and ensure you know what we do and how we do it. We’ll talk about what you are trying to do, your goals and ambitions, and whether we can help you.
  • 2 We’ll gather information from you including family details, income and assets and other financial information.
  • 3 We’ll research the market and ensure our recommendation is the most competitive solution for you, and best suits your needs.
  • 4 We’ll work with you and the lender, and do the legwork to get you pre approved
  • 5 Congratulations! This is what we live for. Now you know what you can afford and have the thumbs up from your lender for what you need, when you need it. We’ll confirm the details with you. We will also see if we can help you get protection for your home and loved ones should anything go wrong.
  • 6 We’ll also be there for you during the settlement process to keep an eye on it all and let you know everything has gone smoothly. This is just the beginning of our partnership. It’s my ambition to help your financial future thrive. I’ll be in regular contact with you to check in and review any changes to your situation.
Overjoyed woman reading letter she is successful with her Mortgage Adviser in Whangarei
Get in Touch
5-stars graphic

Ronnie and Karl

We have known Clare for over 10 years and within that time she has provided an exceptional financial service that has enabled us to reap significant financial gains for not only ourselves, but also our children. Her knowledge and expertise has changed, for the better, the trajectory of our lives. Words cannot express how grateful we are for her expert advice. Thank you, Clare we look forward to continuing to work with you.

Tauranga

J Hollis

I had a fabulous experience working with Clare to buy our first home. She has extensive knowledge of the industry and was able to share that with me in an easy to understand way.

Clare's advice and guidance was invaluable to me. I was kept well informed and supported throughout the whole process. So grateful to have her there every step of the way!

Whangārei

Peter & Myra

Clare helped us through a really tough situation, negotiating a lower interest rate and recovering several thousand dollars in overcharged interest. Her support, knowledge, and genuinely caring advice made all the difference. We’ll be forever grateful for everything she’s done for us.

Whangarei
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Try My Extra Mortgage Repayment Calculator!

If your mortgage allows additional repayments, even small top - ups can shorten your loan term and reduce the total interest you pay. This extra repayment calculator shows the difference that regular contributions or offset account deposits can make over time.

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