An independent mortgage broker, built by someone who spent 26 years inside the banks.
Every broker says independent. Here is what it means for you.
Doing specialist work properly takes time, and it does not fit a volume model. Independence is what makes the time available.
Assesses you against one credit policy. If you do not fit it, the answer is no, and you will not be told which lender would have said yes.
Closer to independent, but works inside a model built for volume. The systems, lender access and incentives are designed around the ordinary case.
Built for the case that is not ordinary. The self-employed borrower whose accountant did their job too well. The developer whose project needs to be understood before it can be funded. The portfolio tied up with one lender. The application declined for a reason the letter did not give.
Carl Mann spent 16 years at ANZ and 10 at Westpac before becoming a lending adviser. Twenty-six years inside the institutions writing credit policy, reading applications, and making the decisions. He knows what the assessor is looking at, and he knows what makes an application fail before it is submitted.
Then 14 years as a mortgage broker, and over $350 million settled. In a typical year that is $40 to $50 million of lending across 70 to 100 clients.
That combination is the firm. A specific person who has read these applications from both sides of the desk.
What we believe.
The right mortgage is rarely the cheapest one
Rates change several times across a loan's life. Structure is set once and lived with for years.
The application is won before it is submitted
Most of the work happens in preparation, in choosing the lender, and in understanding what the credit team will see.
A decline is one lender's answer
It tells you the application did not match a template. It tells you very little about whether the lending is sound.
Settlement is the beginning
The refix, the review, the next purchase. Most brokers are gone by then. That is where the long-term value builds.
We will tell you not to borrow
If the deal does not stack up, or the business has a margin problem that debt will not fix, or you should wait twelve months and do three specific things first, that is what you will hear. It costs us the transaction and it is the reason people come back.
Based in Wellington. We work with clients across New Zealand.
Most of the work is done by phone, video, and email, which is how commercial and complex lending has been run for years. Where a meeting is useful, we will meet.
What clients say about working with Carl.
Carl was an absolute pleasure to work with. His knowledge, professionalism and prompt communication gave us confidence throughout our first home purchase. He secured us an excellent deal with Westpac and made the entire process seamless. We highly recommend Carl to anyone looking for a mortgage broker.
Three of us, all self employed, wanted to get a home loan for a shared house. Without the expertise, help and the precise instructions to fill in the various documents or organise specific items we would not have had a chance to get the mortgage over the finish line. Carl was extraordinarily helpful and always found a way to continue this not so easy application. I can highly recommend Carl. Very grateful for his assistance.
Carl was fantastic to work with. Our mortgage application was not straightforward as we were multiple people, all self employed with new businesses. We had tried using other brokers but they weren't able to get our approval across the line. Carl was tenacious with the banks, and had so much knowledge he was able to guide us through all the information we required and how to present it. After a difficult process he was able to secure us a mortgage with very favourable terms. I couldn't recommend him enough, the effort and work he puts in is second to none!
Carl Mann is a fantastic mortgage broker. He is knowledgeable, professional, and has excellent communication. Carl kept us updated along the way and provided sound advice. I would definitely recommend Carl to anyone needing assistance with mortgage finance or refinancing.
Carl helped us work through the finance for our next investment property without losing sight of our existing lending. He understood what we were trying to build over the longer term and worked through the different options with us before we made an offer. That preparation made the purchase much smoother.
Development finance was very different from arranging a normal mortgage. Carl understood the feasibility, valuations, build costs and timing the lender needed to see, and helped us get everything organised before it went to credit. Having someone who understood the development side of the deal saved a lot of back and forth.
We were purchasing premises for our business and needed someone who could look at both the property and the strength of the business behind it. Carl worked through the numbers with us, explained what the lenders would focus on and helped structure the application properly from the start.
Start with a conversation.
Thirty minutes, no cost, no obligation. We work out where you stand and whether we are the right people to help. If we are not, we will say so.
Every conversation is confidential.
Book a conversation