Your Trusted Mortgage Partner

Helping Kiwis climb the property ladder with confidence.

Welcome to
Ladder Mortgages

Climb with confidence. We’ll help you take the next step.

At Ladder Mortgages, we make finding the right mortgage simple, stress-free, and tailored to you. Whether you’re buying your first home, moving up the property ladder, refinancing, investing, or completing construction, we’re here to guide you every step of the way.

We’re independent mortgage advisers who work for you—not the lenders. That means unbiased advice, clear communication, and real support from start to finish.

Our Services

  • First Home Buyers

    Navigating the path to your first home can be daunting, but it doesn’t have to be! Buying your first home is a big milestone- and you don’t have to navigate it alone. From understanding your loan options to getting pre-approved and closing with confidence, Ladder are here to guide you every step of the way. With clear communication, honest advice, and tailored support, we’ll make your first home purchase smooth, informed, and exciting.

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  • Buying Your Next Home

    Whether you're upsizing, downsizing, or relocating, finding your next home should be an exciting and stress-free experience. Ladder are here to guide you every step of the way—with expert market insight, personalized service, and a clear strategy to help you secure the right home at the right price. Let's make your next move your best one yet.

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  • Refinancing

    Looking to lower your monthly payment, tap into your home’s equity, or shorten your loan term? Refinancing can be a powerful financial move to get you there! Ladder will help you explore your options, compare rates, and navigate the process with clarity and confidence- so you can make the most of your mortgage and your money.

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  • Property Investors

    Whether you're growing your portfolio or purchasing your first investment property, the right financing strategy is key. Ladder offer tailored lending solutions, market insights, and a deep understanding of investment goals to help you maximize returns and build long-term wealth. Let’s make your next property investment a strategic success.

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  • Construction

    Construction loans require expert guidance and flexible solutions. Whether you're building your dream home or developing an investment property, I’ll help you secure the right loan structure, manage progress payments, and keep your project moving forward—on time and on budget.

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  • Mortgage Servicing

    Mortgages aren’t a set-and-forget solution. As life changes, so too should your loan. Whether your fixed rate is coming to an end, your income or expenses have shifted, or you're simply looking to make your loan work harder for you, mortgage servicing is an essential part of staying financially on track. From refixing to restructuring, we take a proactive approach, reviewing your current setup, identifying opportunities to save or gain flexibility, and guiding you through any updates with ease. It’s all about keeping your mortgage aligned with your lifestyle and long-term goals. 

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OUR PARTNERS

Personalized Advice: At Ladder we take the time to understand your unique financial situation and goals, to provide catered advice and a plan on how to meet those financial goals and needs.

  1. Comprehensive Market Access: With connections to a wide range of lenders, Ladder can ensure we place you with the best lender/s to get the most competitive rates and loan products to suit your needs.

  2. Transparent Process: Clear Communication and honest advice are at the heart of Ladders approach, keeping you informed every step of the way.

  3. Ongoing Support: Ladders service don’t just stop once securing your mortgage! Ladder remains a resource for future financial decisions, offering continued support as your needs evolve.

Why Choose Ladder Mortgages?

At Ladder Mortgages, we do more than just home loans—we build lasting relationships through trust, transparency, and tailored advice. Whether you're buying, refinancing, investing, or building, we take the time to understand your goals and guide you with expert knowledge and genuine care.

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Client testimonials

  • "Highly recommend Ben. He responds quickly and is super helpful. I can always rely on his guidance and support in tricky situations."

    Amy

  • "Ben was great from the get go! We have a had quick chat about what i needed, he came back to me within a day with multiple options and together we decided on what was the best way forward. I'm looking forward to working together again shortly!"

    Ran

  • "Highly recommended, Ben is easy to deal with and goes the extra mile. Always kept me updated and stayed on top of all things related to my home loan. I'd give 10 starts if it was possible. Thanks Ben"

    Daniel

  • "5 stars for Ben Starr, always a pleasure and always goes over and beyond!"

    Simon

  • "Ben provided excellent service and advice on securing a mortgage for our property. Our case was quite complicated and various issues that suddenly arose were expertly handled by Ben. Highly recommended if you are looking for an adviser that keeps at it until the job is done."

    Eric

  • "10/10!! Ben was extremely helpful and friendly throughout my first home buying experience. Great communication throughout and made the process super easy. Highly recommend!"

    Alice

  • "Ben knows exactly what’s he’s doing when it comes to any type of lending. He has completed multiple re-finance structures for us, and provided valuable advice. His enthusiasm is great as well!"

    Jack

  • "Great to deal with, very pro-active with comms and explains the whole process in detail!"

    Alex

  • "Ben is very knowledgeable and easy to deal with, would highly recommend."

    Zac

  • "Ben has been a great help throughout our first home buying journey. He's great at giving mortgage advice and detailed explanation which we really appreciate. And has handled every hurdle and hiccups that were thrown our way very professionally and supportively. Highly recommend his service to anyone who's new to this journey!"

    Cheng

  • "Ben was a great help with securing finance for a new build investment property client. It was a complicated deal and Ben was very proactive and solution focused when liaising with both the client and the lender."

    Hamish