Our services & expertise
For Mortgage Brokers who want a smarter, faster lending partner
Overview
We simplify getting your client’s loan approved with transparency and preferential, direct partnerships.
Banks are tightening, slowing down, and increasingly declining good borrowers—clients who would have easily qualified just a few years ago. In a lending landscape dominated by an Australian-owned banking oligopoly controlling 85% of New Zealand’s $300 billion mortgage market, advisers are under more pressure than ever to deliver real solutions, fast.
MB Private is purpose-built to respond where the banks can’t. We provide fast, sensible lending with human credit decisions, clear communication, and quick turnaround times - making the broker’s job easier, not harder. Non-bank lending in New Zealand is growing rapidly, driven by macro-prudential restrictions and policy tightening from major banks. Less than a decade ago, non-bank lenders held just 5% of the market—today it's closer to 15%. And with around 65% of all mortgages now coming through advisers, that number is even higher in the non-bank space, where borrower awareness is low and trust matters.
The second-tier lending space remains fragmented and inconsistent. Many players lack stable funding, causing brokers to constantly shop around. MB Private offers a single, well-capitalised alternative that’s structured for consistency, scale, and speed. This positions us to capture significant market share while supporting brokers with dependable solutions.
5 Ways we simplify your mortgage approvals
Just Reach Out to Start
Simply give us a call or email us with a quick summary of the loan request. We need to know why it’s needed, the amount, property location and value, exit strategy, and borrower details. That’s often enough for us to give you a fast idea if it’s a fit. Already have everything ready? Feel free to send the full application right away - it helps move things even faster.
Start the Application Process Straight Away
From the moment your application comes in - whether it’s a full submission or just the essentials - we get to work. The more complete the information, the faster we can assess and move forward. To minimise delays, we encourage upfront clarity, but our process is built to keep things moving either way.
Check Your Documents at the Start
Outdated documents are one of the biggest causes of delays. That’s why we check everything up front and flag anything that could slow things down later. It keeps the process clean and reduces repeat requests.
Address Challenges Early On
Every deal can have its quirks - we get that. If there are credit issues, unusual properties, or non-standard structures, we’ll work with you to understand the story early. We’re a non-bank lender, so we’re flexible. If the risk is manageable and doesn’t impact the loan or exit plan too much, we may be able to find a way forward.
Fast-Track for Our Regular Brokers
If you work with us often, we can make things even smoother. In some cases, we can link your CRM directly with our Credit System - so applications can be submitted in just a click. Once it’s all set up, there’s no need to enter the same information twice.
Lending Guide
The table below is for guidance only: Loan pricing and terms depend on the applicant’s overall credit and risk profile. If you’re unsure, please contact us to discuss your situation. We primarily lend in major metropolitan centres or smaller towns with a strong property resale market, as assessed by MB’s credit team.
