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

Michael Shrubsall - Financial Adviser: Mortgages

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Michael Shrubsall - Financial Adviser: Mortgages

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For more disclosure and information please visit our website: mortgagelab.co.nz. When looking for a Mortgage Broker in the Auckland region, give Michael a call.

Michael is based in the Auckland and whether you're wanting to buy your first home, invest in new property or want some mortgage advice - he can help make sure all your bases are covered and find the best deal for you. There are usually no costs for Michael's advice, and better yet, he is not affiliated to any one bank - Michael's job is to find the right bank for the right people so he doesn't have any agendas.

03/11/2026

Building a new home is exciting, but understanding the costs along the way is just as important.

With a progress-payment construction loan, interest accumulates as payments are released at different stages of your build. Knowing how it works can help you plan your budget, avoid surprises, and stay financially prepared.

Thinking of building your dream home? Talk to me to help you understand your options and make informed decisions. Send me a message here

29/10/2026

Buying your first home in New Zealand? Start with the right advice!
From saving for your deposit to navigating settlement day, there's a lot to learn when buying your first home. Let MortgageLab guide you through the process with our FREE First Home Buyer eBook!

Download your free copy today and take the first step towards homeownership!

Click here: https://tinyurl.com/28vfadrt

28/10/2026

Renovate your home or pay down your mortgage? Which option makes more sense for you?

Putting extra money towards your home can be a big decision. Renovations may add comfort and value, while paying down your mortgage could help reduce interest over time. The right choice depends on your financial goals, circumstances, and plans for the future.

Not sure which path to take? Talk to me today to explore your options and make a more informed decision. Send me a message here

22/10/2026

Thinking about getting a mortgage in New Zealand?

Having a flatmate can help with household expenses, but did you know banks may assess flatmate income differently when reviewing your mortgage application? Learn how flatmate income could affect your borrowing power, what lenders consider, and what to prepare before applying.

Read the full article and talk to me to explore your options. Send me a message here

20/10/2026

Thinking about your next property investment?

Build your knowledge before making your next move! Download Mortgage Lab’s free Property Investor Guide to explore investment strategies, tax implications, and financing options for building your property portfolio in New Zealand.

Your next investment property starts with the right knowledge.
Download your free eBook at mortgagelab.co.nz/ebooks

18/10/2026

Your mortgage application isn’t the time to fake it till you make it!
Banks want the real picture of your finances, not a polished profile. Honesty and preparation can make all the difference.

Need help getting mortgage-ready? Send me a message here

15/10/2026

Thinking about buying your first home but have a student loan?
A student loan doesn’t automatically mean you won’t qualify for a mortgage. Find out how banks assess student loan debt and what it could mean for your mortgage pre-approval.

Read the full article and talk to me today to understand your options. Send me a message here

13/10/2026

Building a new home is exciting - but understanding the costs along the way is just as important.
If you’re using a progress-payment construction loan, interest is calculated as funds are drawn down at different stages of the build. Understanding how these payments and interest accumulate can help you plan your budget more accurately and avoid unexpected costs.

Planning a new build? Talk to me today to understand your construction finance options and budget with confidence. Send me a message here.

11/10/2026

Better budget starts with smarter driving.
Fuel is one of the biggest ongoing costs of owning a vehicle, but small changes to the way you drive and maintain your car can make a real difference.

From smoother driving to regular maintenance, improving your fuel efficiency could help reduce your fuel consumption by 10–20% - without changing your lifestyle.

Looking for more ways to make your money work smarter? Send me a message here

01/10/2026

A tighter budget doesn’t mean giving up on your goals.
Sometimes, the biggest difference comes from looking at the everyday expenses that quietly add up each month. Small changes to recurring costs can help you save more consistently and feel more comfortable with your finances.

If you’re working towards a home loan or simply want to get your finances in better shape, taking a closer look at your budget is a great place to start.

Want to explore your options? Send me a message here

Address

Orewa
Auckland
0932

Opening Hours

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

Telephone

+64272457511

Website

http://mortgagelab.co.nz/michael-shrubsall

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