Loan Market Howick

Loan Market Howick


Nick and Nicola are an amazing team who have worked tirelessly on my behalf, wiht a great result! Very thanksful for having these two gems on my team! Thanks so much!
As part of the East FM Get Back in Business promotion, this morning Phil is joined by Nick from Loan Market Howick

Tune in from 9am this morning to hear all the services that Nick and his team offer.

Brought to you in association with Howick Village Shopping Centre
A big virtual high five to all our clients out there: whether you're in full lockdown mode, working from home or out on the front lines, we hope you're staying safe and strong 🙌🙌

#staysafe #staystrong

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Richie Hardcore
Department of Post NZ
KOR Creative
Grafton Medical
Loan Market Howick
Our client, Nick Kotze of Loan Market Howick, knows that a one-size-fits-all approach doesn't work with mortgage broking, especially when it comes to getting first home buyers into the Auckland property market.

We also appreciated a one-size-fits-all accounting package wasn't going to suit Nick's business needs.

Take a look at how Nick helps his clients onto the property ladder, and how we help him keep the financial side of things streamlined and simple.
Meet Nick Kotze of Loan Market Howick. He's passionate about helping first home buyers into this tight Auckland housing market... and he's got a few tricks up his sleeve to help the process along!

We look forward to sharing some more about Nick's business in our next client profile, out soon.

Photo: Paul Ellis, Auckland Photography.

Need help finding the right loan? Business loans, Home Loans, Commerical Loans, Investment loans. Getting a mortgage is one of the most important financial decisions you will make in your lifetime, choosing the right mortgage can save thousands of dollars over the loan term.

As a qualified mortgage broker who has access to a wide range of mortgage deals, including some mortgage loans which are not generally available to the public directly. If you already have a mortgage then a broker may be able to help you reduce the amount you have to pay.

Operating as usual

[10/27/21]   Now we all can with this :)

"ANZ Home Loan Spring/Summer campaign

Our new home loan campaign has kicked off, where an ANZ Home Loan customer with an eligible ANZ Home Loan on 9 March 2022, will automatically go in the draw to win up to $100,000 off their outstanding home loan balance, to help pay it off faster.

Responsible lending checks, lending criteria, terms conditions and fees apply. Our application fee is currently waived. Prize draw terms and conditions apply.

The 'Prize' is a reduction in the outstanding balance of any Eligible ANZ Home Loan(s) held in the name of the winner (whether individually or with others) for an amount of up to NZ$100,000.

Please review the FAQs attached, which will hopefully clarify any questions you may have.


Prize draw FAQs
Prize draw terms and conditions"

Photos from Loan Market Howick's post 29/08/2021

I’m so proud to be named in the Top 10 Mortgage Advisers in New Zealand for the 5th year in a row. Our team members, Viv Sullivan and Nicola Granville, have been an integral part of that journey for the full five years as well. Our business, now including Linda Shaw and Toni Macbeth, has always focused on putting our client’s needs first, and in particular first home buyers. We all know it is not easy to buy in Auckland as a first home buyer and we are proud to have been able to help so many with their first step. Many thanks to my team at Loan Market Howick and the many people who have entrusted us with your mortgage needs.

[05/09/21]   What a privilege it was to spend time away from the office with some of the best mortgage and insurance businesses in New Zealand. Thanks to Brendon Smith, Sam White, Amanda Saville, and the team, for this opportunity to grow and learn which would ultimately help us serve our customers better👌


Wow, what a couple of weeks! Loan Market Howick has received the highest-ranking Loan Market international award - Chairman’s Club. Alongside that, a personal award of Platinum Elite (Top 1% in our group) and also Top 10 International Broker.
We, (myself, Viv Sullivan, Nicola Granville, Linda Shaw & Tim Symons), are honoured to have been recognised amidst the challenging times we all are experiencing.
We had our international awards night in Ellerslie on Thursday whilst live streaming across to Australia and into people’s homes and beyond. Some of our colleagues in lockdown, whilst others could celebrate our milestones together. It was a very surreal event!
For us it is not about the awards but all about our clients and their family and friends. Many thanks to all our clients, referrers and lending partners!!


Our marketing guys have been too kind! Maybe next time they can Photoshop me a bit of hair :) 22/07/2020

NZ Top Advisers 2020

Super proud today to be awarded Top 10 Mortgage Broker, in New Zealand, for the 4th year running. This is testament to a great team, namely Viv Sullivan, Nicola Granville & Linda Shaw, putting our client's interest first at all times. Many thanks to our faithful clients, referring partners and lenders who helped along the way! Naturally, all of us are well supported by our families. Our passion is to help people create wealth through property by making sensible financial decisions. New Zealand’s top 30 mortgage advisers of 2020 have been named in the fourth annual Top Advisers Rankings

[06/15/20]   Thanks Chris and Lily for your feedback from the team at Loan Market Howick:

Approachable, Personal, Integrity.
That would be how we would describe our experience working with Loan Market Howick to get our first home. We were absolute newbies buying in Nelson, and although Nick and the Team were in Auckland it could not have been easier to deal with them. We had a number of video calls with Nick all scheduled for a time that suited us, the first of which included Nick going through with us the absolute basics of a mortgage and buying a home as we had no idea! Throughout the whole process we felt like they were 'on call' just for us as Viv always responded to our questions and put us at ease through the whole process. We love our home and look forward to working again for the next one!

Chris & Lily



Thanks Paul for the kind comments! You guys are awesome to work with!


Yay! First day back in the office😊.
Feel free to pop in & say hi 👋


Shout out to Urban in East for my coffee fix under level 3. It is probably not profitable, but know that we appreciate the effort! It is nice to see Howick slowly returning to its normal self.


Happy Mother’s Day to all the mothers out there. We appreciate you 😘Also thanks to Marigold Merchant for the lovely flowers delivered to the mum in our house, from her boys 👌


Thanks to the crew at Daisy Chang for the yummy food last night. We got a bit exited as you can see 😂 Our first take away meal after the lockdown. 21/04/2020

Reserve Bank to scrap LVR restrictions -

Some potential good news for our first home buyers! [UPDATED] The Reserve Bank is set to remove loan-to-value ratio restrictions on mortgages in the wake of the Covid-19 outbreak. 16/03/2020

Buy 3 Baringa Place Botany Downs | Barfoot & Thompson - 788313 A Freehold Kiwi Classic. 3 Baringa Place, Botany Downs. (Listing ID: 788313)


Happy New Year! 🎉
We hope you all have a wonderful 2020!


Our doors are now closed for the Christmas Break and we would like to wish you and your family a blessed Christmas and relaxing summer break! 🎄

We are honoured to have played a part in helping so many people from seasoned purchases to first home buyers secure a mortgage this year. Huge thank you for your business from all of us at Loan Market Howick and Simon Gault!!😆


I think we are all ready for a break after a very busy 2019, I am looking forward to mine and spending some quality time with family and friends.

Our offices will be closed from Friday 20th December and will reopen Monday 6th January 2020.

I will be back in the office on Monday 13th January

If you have any urgent enquiries in this time please mark the e-mail urgent.

Wishing you all a safe and happy Christmas


Lift in the Market:

We’ve certainly noticed on the front line the lift in the market and no doubt the reason for that is the lower interest rates which has certainly made owning a property a lot more affordable.

It has also been encouraging that the Reserve bank has not cut rates in November as expected.

Give us a call if you need in finding the best home loan for you.


Investors - When was the last time you ran the numbers?

I helped fund an investment property last week with a purchase price of $500,000, fully secured against my client’s owner-occupied property with a rental income of 430 p/w, with a $332 per week mortgage payment, interest-only fixed for 2yrs results in a cashflow positive property or near to it, after expenses.

In the last 8 years, I can't remember a time where I’ve seen so many investment properties being cashflow neutral.

With banks funding legal fees via a cashback incentive, all you need to do is find the property, so if you have equity in your home this could be an option for you.

Give me a call... in the new year :) and I can run the numbers.


Every year Loan Market Howick commits to supporting the Christmas Box Charity.

This year hundreds of volunteers have committed their time and money to pack 30,000 boxes, which is likely to support up to 150,000 people over the Christmas period.

If you would like to join us in supporting them, please feel free to donate via their website, Or if you send any referrals to us, with the reference “Christmas Box”, we will donate an extra Christmas box on your behalf to a family in need.


Loan Market Howick


Feeling honored to have received the CEO award for 2019


What a performance by the All Blacks to see them into the semi final! And the brave blossoms were certainly very brave but as aptly put by the Japanese people we met “ Those Boks are toooo strooong “ 😂


Queuing for the appetiser Auzzie vs England 😬


On the way to the game. Can’t wait


Thank you again for the great feedback, if you have had a good experience and would like to leave is a review either on Facebook or using the below link to our Google page - Thank you again for everyone's continued support. 25/09/2019

Reserve Bank of NZ keeps OCR at 1%, scope for more stimulus

Ocr kept at record low of 1% with expectation for rates to remain low: But many expect the bank to resume rate cuts at its next opportunity. 14/09/2019

Your First Home Loan - Nick Kotze

You’re only five steps from everything you need to know:
1. Nail your deposit and budget
2. Navigate the loan process
3. Get the right loan
4. Understand industry jargon - the loan cheat sheet
5. Find your dream home

Download your Free eBook here 5 steps to doing your first home loan right. Everything you need to know Download eBook Life is full of firsts. First pet, bestie, car, kiss, job, mortgage - some easier than others. Do your first time right. Do your first home loan right. Download our free guide, 5 steps to doing your first home lo...


Variable Home Loan, Fixed Rate Loan, Redraw Facility, Offset Account

Clear as mud? Don’t worry.

Part of getting a Loan Market adviser working for you is knowing how much you can afford in repayments each fortnight or each month, and what features would make your life easier. Don’t sweat it, get your Loan Market adviser working for you.


Many thanks for the lovely gift pack Philippa👌 We’ll certainly make good use of it in Friday 🥂


We don’t just stop at getting you the right home loan, we will ensure the whole process runs smoothly…


Great news… major lenders move on test rates.

The banks use an interest rate to determine affordability which is called a test rate. For most of the banks this rate is over 7% and in some instances, more than double the interest rate we can get from the banks. Meaning the bank could decline your loan even though the loan is perfectly affordable.

In the past banks have moved their test rate in line with the OCR movements but over the last few years, this hasn’t been the case. Therefore the full impact of the OCR is not flowing through to the credit markets.

We are happy to see that some banks have now cut their test rate by 0.5% which makes a huge difference to our clients. If you have not been approved for what you feel you can afford, give me a call and we can look at your options. 29/08/2019

Your First Home Loan - Nick Kotze

Life is full of firsts.

First pet, bestie, car, kiss, job, mortgage - some easier than others.

Do your first time right. Do your first home loan right.

Download our free eBook giving you everything you need to know about your first home loan. 5 steps to doing your first home loan right. Everything you need to know Download eBook Life is full of firsts. First pet, bestie, car, kiss, job, mortgage - some easier than others. Do your first time right. Do your first home loan right. Download our free guide, 5 steps to doing your first home lo...


Could you cut back on one Uber Eats delivery each week?

Just saving $40 a week can add up to over $2000 a year.

Our Story

About Me

After nine years in the industry, I’ve recently moved from Highland Park to set up the Howick office. I am Registered Financial Adviser, and in the Top 10 advisers in NZ.
I love helping people buy their first home or investment property.

A mortgage is a big expense and it can be a confusing process. I know, I’ve been there. I remember sitting on that side of the desk, signing up to my first mortgage and hoping I had got it right

These days I have over 17 years’ experience in mortgages and property investment. I can answer those tricky questions and get you into a great investment.

Videos (show all)


Mortgage, Insurance, Car Finance, Asset Finance, Home Loans



20 Moore Street

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
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