Buying, refixing or investing in property? We're based on Tongariro Street, not in a call centre somewhere else. We sit in the middle between you and the banks, comparing lenders, doing the legwork, and translating the bank jargon into plain English.
Who we help
- First home buyers across Taupō and the central North Island: deposits, pre-approvals, KiwiSaver withdrawals, First Home Loans.
- Refinancing and restructuring: if your fixed rate's coming up or your structure hasn't been reviewed in years, there may be real money on the table.
- Investment property: lending structures that fit your goals, whether it's your first rental or your fifth.
- Building or renovating locally. We know how banks assess Taupō builds and lifestyle blocks.
Your local team
Tui Miles, Emma Carmichael and Morag McCaughan work out of our Taupō office and cover everything from first-home lending to investment restructuring. View the full Taupō team →
How it works
- 1
Free chat. At our Tongariro Street office, your place, or a cafe.
- 2
We do the legwork. We package your application and take it to the lenders that suit you.
- 3
You choose. Options laid out side by side, no jargon, no pressure.
- 4
We stick around. Rate reviews, top-ups, next purchases.
What Taupō clients say
"We had an outstanding experience working with Zest Mortgage Brokers, thanks to Emma. From start to finish, she was incredibly supportive, knowledgeable, and easy to work with.
As this was all new to us, Emma took the time to guide us through every step of the process, working alongside us and making everything feel manageable and clear. Her calm, composed approach really put my mind at ease, even when things felt a bit overwhelming.
She handles everything with professionalism and confidence, and I always felt supported in making the right decisions. I genuinely couldn't have asked for a better experience.
We would highly recommend Emma at Zest to anyone looking for a mortgage broker who truly goes above and beyond.
Thank you Emma and the team at Zest Taupo!"
Kim Graham
"A big thank you to the awesome team at Zest for helping us through our first home purchase. Tui, Larns and the rest of the team are so helpful willing to go that extra mile 👊☺️ Nga mihi Jamie and Horo"
Jamie and Horo
What does it cost?
Nine times out of ten, nothing. The lender pays us, not you. If a fee ever applies to your situation, you'll hear it from us up front, before any work starts.
FAQ
Do I have to be based in Taupō to use Zest?
No, anyone in NZ can, but we do have a physical office here if you'd rather meet in person.
How much can I borrow?
Depends on income, debts and the lender. A free chat gives you a real number, not a guess.
Do you deal with all the banks?
Yes, we compare across a wide range of NZ lenders, not just one.
Is the advice really free?
In almost every case, yes. See "What does it cost?" above.