Brooke McGougan - Mortgage Advisor

Brooke McGougan - Mortgage Advisor Brooke is a Mortgage Advisor who will advise you on everything you need to know about taking out a mortgage and the homebuying journey.

Based in Hamilton, Brooke offers a free service and is accessible to work with clients throughout New Zealand.

Before you approach a bank, it's good to know what they'll look at when considering your loan application.If you can che...
08/04/2026

Before you approach a bank, it's good to know what they'll look at when considering your loan application.

If you can check off these 3 actions steps before you even approach a bank, you'll already be one step ahead.

And one final important action step? Speak with a mortgage advisor early so your application fits the right lender’s policy. 👋

A little look into who I am beyond a mortgage advisor.. Which one was most surprising?
02/04/2026

A little look into who I am beyond a mortgage advisor..

Which one was most surprising?

24/03/2026

House “window shopping” is tempting but it can easily lead you to fall in love with a house before you even understand your borrowing power!

Getting pre-approval ensures you look for houses in your budget, and shows sellers that you’re serious and ready to go when you do find the one.

Let’s find out what you could borrow before you start house hunting 🤝

Another client win 🙌Online calculators can be a helpful starting point, but they don’t always tell the full story.After ...
23/03/2026

Another client win 🙌

Online calculators can be a helpful starting point, but they don’t always tell the full story.

After reviewing this client’s income, expenses and existing lending, we were able to restructure a few things and improve their affordability, opening up more borrowing power than they originally expected.

Want to ditch the online calculators and understand your borrowing power better? 👋

Which one are you choosing?
17/03/2026

Which one are you choosing?

It was such a pleasure to help Rebecca get into her first home!Buying your first home comes with a lot of questions, and...
15/03/2026

It was such a pleasure to help Rebecca get into her first home!

Buying your first home comes with a lot of questions, and that’s completely normal.

For many people, it’s the first time navigating lending, bank requirements, deposits, and everything in between. My job is to make sure you understand what’s happening at every step, so you can make decisions with confidence.

No question is a silly question, and you should never feel like you have to figure it all out on your own.

Helping first-home buyers turn “I have no idea where to start” into “I’ve got the keys” will always be one of the most rewarding parts of what I do. 🏡

The amount a bank is willing to lend isn’t based on a simple income multiple.Instead, lenders run detailed affordability...
12/03/2026

The amount a bank is willing to lend isn’t based on a simple income multiple.

Instead, lenders run detailed affordability calculations. They look at your income, expenses, existing debt, and they also test your loan against higher interest rates to make sure repayments would still be manageable if rates change.

This is why two people on the same salary can sometimes be approved for very different loan amounts.

If you’re planning to buy and wondering what your borrowing power might look like, it’s always worth getting a personalised assessment rather than relying on online estimates.

Have you budgeted for these unexpected costs of buying a home?💼 Legal Fees: Lawyers help with the sale and purchase agre...
11/03/2026

Have you budgeted for these unexpected costs of buying a home?

💼 Legal Fees: Lawyers help with the sale and purchase agreement, typically around $1,000 to $2,000 for a single home.

💲Valuation Fees: Some lenders require a property valuation, costing anywhere from $800 to $1,200.

📝 Building Reports: Essential for ensuring the property is in good condition, typically $400 to $800.

👮 Insurance: Home and contents insurance is essential for protecting your property. Lenders require you to have in place when you apply for a mortgage.

📦 Moving Costs: Transporting your belongings and any renovations/repairs you may need.

📈 Council Rates and Utilities: These will vary based on where you live the property value and its use. Sometimes, if the previous owner has paid their rates in advance, you may need to compensate them for the portion that covers the period after settlement, essentially reimbursing them for the time you’ll be the one living in the property.

There’s a lot to consider when buying a home, but I’m here to help you navigate it all! Let’s chat and make sure you're fully prepared. 💼💡

Is 2026 the year you buy your first home? Here's 3 things you can do now to reach your goal:👋 Chat with a mortgage advis...
09/03/2026

Is 2026 the year you buy your first home? Here's 3 things you can do now to reach your goal:

👋 Chat with a mortgage advisor

You don't have to have your deposit ready or your accounts tidy, and speaking with a mortgage advisor can help you set up a game plan before you approach any lenders. Chatting with me about your first home goals is completely free, so if you're feeling stuck, this is a great place to start.

💰️ Understand your financial position

You should have a good understanding of what's coming in and what's going out. Review your spending habits, debts and buy now pay laters, and cancel any subscriptions that are no longer necessary. This not only prepares your bank accounts for when we go to the bank, it sets you up for when you'll be responsible for mortgage payments. If you're not sure what to prioritise, again, speaking with an MA can help you know where to focus your aim.

👀 Check your deposit options

Many people think buying their first home is impossible, before they actually talk to someone. Do your research and see what options may be available to you. You may be eligible for KiwiSaver First Home withdrawal, or low deposit options with specific lenders or through the Kāinga Ora First Home Loan.

Moral of the story = don't decide your goal is impossible until you've spoken with a mortgage advisor. We're here to help you reach your goals, and find options that work for you.

Let's get you into your first home 🏠️

Address

Hamilton

Telephone

+64274699459

Website

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