Eddie Biesenbach - Mortgage Broker Best Mortgages

14/04/2026

A question I get all the time:
“Do I have to pay a mortgage broker?”

Short answer — in most cases, no.

In NZ, brokers are usually paid by the lender, not by you. But there are a few situations where costs can come in, and that’s where people often get confused or caught off guard.

The key thing is understanding how it actually works before you make any decisions — not after.

If you’ve ever wondered whether using a broker is really “free” or what the catch is, it’s worth getting clear on it.

And if you want me to run through it based on your situation, I’m always happy to explain it properly — no pressure 👍

Who pays a mortgage broker NZ? Learn how brokers get paid, when fees may apply, and what Tauranga buyers should know before applying.

11/04/2026

Most people think refinancing is all about getting a lower interest rate… but that’s actually where a lot of people go wrong.

In Tauranga, I’m seeing more homeowners refix or refinance without checking if it actually improves their position long term. Sometimes it helps — but sometimes it just reshuffles things and costs more later.

The real question isn’t “can I get a better rate?”
👉 It’s “does this move actually put me in a better position?”

If your fixed rate is ending, repayments are creeping up, or your situation has changed, it’s worth understanding your options properly before making a move.

If you want me to take a quick look at your setup and tell you what actually makes sense, happy to help 👍

Refinancing in Tauranga NZ explained — when it makes sense, when it doesn’t, and how to improve your mortgage strategy.

01/04/2026

Are all mortgage broker reviews actually telling the full story?

If you're buying in Tauranga, this is something most people get wrong. We’ve broken down what reviews really mean — and how to choose the right broker with confidence.

Learn how to read mortgage broker Tauranga reviews properly, what really matters, and how Tauranga buyers can choose the right adviser with confidence.

23/01/2026

A lot of Tauranga buyers ask me how mortgage brokers actually work — and when it’s worth using one.

I’ve put together a simple, plain-English guide explaining the process, what brokers do behind the scenes, and what to expect as a home buyer.

If you’re buying in Papamoa, Mount Maunganui, or nearby, this should help clear things up 👇

A simple guide explaining how mortgage brokers work in NZ, written for Tauranga home buyers who want clarity before buying.

27/11/2025

Big day — got an approval through for another first-home buyer.
They came in unsure, a bit overwhelmed, not knowing which bank would actually help… now they’ve got a clear green light.
If you’re thinking about your first place, I’m here to make the process easier.

25/11/2025

A quick look at why first-home buyers have a better window right now — easier deposit rules, more bank flexibility, and a bit more choice on the market.

If you’re planning your first home loan and want a simple breakdown of your options, I’m here to help.

A positive window for first-home buyers

21/11/2025

Unlock new investment opportunities with a smaller deposit than before.

Thanks to recent lending changes, it’s now possible for eligible buyers to secure a residential investment property with deposits starting from around 15%.

If you’ve been thinking about growing your property portfolio, now is a great time to explore your options.

You may qualify if:
• You’re a NZ resident
• Your income and debts meet lending criteria
• The property is standard residential
• You have a signed Sale & Purchase or auction pack when applying

Every situation is different — talk to me first so I can run the numbers, confirm your eligibility, and guide you through the best lending options.

Want to check if you qualify?
Send me a quick message and I’ll run a free investment lending assessment.

18/11/2025

BIG NEWS: 1.5% Cashback Is Back — But Only for 30 Days!

If you’re thinking about getting a home loan, now is the time to move.
For the next 30 days, some lenders are offering 1.5% cashback (up to $30,000) on new home lending.

To qualify, you’ll need:
• Minimum $200,000 new lending
• 20%+ equity
• New residential security

If you’re unsure whether you qualify, or want to compare options without going bank to bank, I can help you run the numbers and see what deal you’re eligible for.

Send me a message and I’ll check your situation for you.

17/11/2025

We’ve just passed 150 FIVE-STAR Google Reviews!
I’m honestly blown away.

Thank you to every single client who has trusted me with their home loan journey — from first-home buyers, to refinancers, to investors across Tauranga, Bay of Plenty and beyond.

Your support means everything, and I’m grateful every day that I get to help families into homes.

Here’s to the next 150!

If you ever need help with anything home-loan related, I’m always here to help.

— Eddie, Best Mortgages

13/11/2025

🏡 Three More Families in Their New Homes This Week! 🏡
What an incredible week. I’m feeling really grateful and proud to have helped three amazing families secure their new homes.

✨ Browns Bay – A lovely family starting a new chapter close to the beach.
✨ Papamoa – A young couple finally getting the keys to their first home.
✨ Wanaka – A hardworking family settling into one of the most beautiful parts of NZ.

Seeing the smiles, the relief, and the excitement never gets old. Helping people into homes is truly the best part of what I do.

Congratulations to all three families — thank you for trusting me to be part of your journey ❤️

03/11/2025

🏡 First-Home Buyers — this one’s for you!

💡 Looking to lock in a great home-loan rate to get into your first property?

✅ 3.99% p.a. fixed for 1 or 2 years
✅ Up to 1% cash back
✅ For owner-occupied homes with ≤ 80% LVR

This offer is available for a limited time only — perfect if you’re ready to take that first step onto the property ladder or even looking to refinance.

📩 Message me for a quick eligibility check or a personalised repayment estimate today.

⚡ A sharp rate like this won’t stick around — act now before it’s gone!