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Michael Shrubsall - Financial Adviser: Mortgages

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Michael Shrubsall - Financial Adviser: Mortgages

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.

04/06/2026

What if you treated your mortgage like the interest rate was 8% - even when it's lower?

By paying a little extra when rates are manageable, you can reduce your loan balance faster, save thousands in interest, and potentially become mortgage-free sooner. It's a simple strategy that helps you stay ahead and prepares you for future rate changes. Small adjustments today could make a big difference tomorrow.

Want to explore smarter mortgage strategies? Send me a message here

02/06/2026

Fixing your mortgage? Ask the right questions first.
Locking in a rate can bring peace of mind - but the best fixed term depends on your goals, budget, and how much flexibility you may need in the future. A smart mortgage decision today can make a big difference tomorrow.

Not sure whether to fix or refix? Let me help you find the option that fits your situation best. Send me a message here

31/05/2026

Smart investors know refinancing is more than just chasing a lower rate.
The right refinance strategy can help improve cash flow, unlock equity, and position your property portfolio for future growth. With lending conditions always changing, now could be the perfect time to review your options and make your investments work smarter - not harder.

Thinking about your next property move? I’m here to help. Send me a message here

28/05/2026

Building your dream home? Choosing the right contract matters. Fixed price offers more budget certainty, while cost-plus gives flexibility but can come with changing costs. Understanding the difference now can help you avoid surprises later.

Let me help you build with confidence! Talk to me today! https://mortgagelab.co.nz/Michael-Shrubsall/

26/05/2026

Choosing the right builder is just as important as choosing the right home.
Building your dream home is a major investment, so it pays to do your homework. Look beyond the price tag - experience, reputation, communication, build quality, and contract transparency all matter. A great builder won’t just construct your home - they’ll help make the entire journey smoother and less stressful.

Need help getting your finances build-ready? Send me a message here to guide you every step of the way. https://mortgagelab.co.nz/Michael-Shrubsall/

25/05/2026

Dreaming of building on a sloping section? Make sure you plan ahead!
A stunning view can be worth it - but building on sloped land often comes with extra costs like retaining walls, drainage, earthworks, and engineering requirements. The key is understanding the full picture before you commit.

With smart planning and the right financial guidance, your dream build can still become a reality without unexpected surprises. Talk to me and explore your options today! Send me a message here!

21/05/2026

Looking to grow your property portfolio in 2026? The right location can make all the difference.
Whether your goal is stronger rental returns, long-term capital growth, or a balanced investment strategy, choosing where to invest is just as important as choosing what to invest in. Smart decisions today can create better opportunities tomorrow.

Let me help you plan your next property move with confidence. Send me a message here! https://mortgagelab.co.nz/Michael-Shrubsall/

19/05/2026

Building your dream home? Peace of mind matters just as much as the design.
A Master Build Guarantee can offer added protection against unexpected issues during your build, helping you feel more confident throughout the process. Knowing what’s covered before you commit can make all the difference.

Planning to build? Let me help you make informed decisions every step of the way. Send me a message here! https://mortgagelab.co.nz/Michael-Shrubsall/

17/05/2026

Thinking about adding a granny flat to your property? It could be a smart way to create extra space for family, boost your property’s value, or even generate rental income.

With changing rules in NZ, it’s more important than ever to understand what’s possible before you build. Mortgage Lab can help you explore the financial side of your options.

Send me a message here!

14/05/2026

Building your dream home starts long before construction begins 🏡
Proper site preparation is key to avoiding unexpected costs, delays, and stress during the building process. From checking site conditions to planning for drainage, utilities, and council requirements - preparation matters.

A strong foundation starts with smart planning.
Try it today and take the guesswork out of buying your next home. Want help? Talk to me today!

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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