The Mortgage Supply Company

What The Mortgage Supply Company does

The Mortgage Supply Co Limited, trading as The Mortgage Supply Company, is a privately held New Zealand mortgage brokerage founded in 2011 by David Windler and David Hart and headquartered in Te Atatu Peninsula, Auckland. The firm operates a national adviser network of approximately 74 team members spanning Auckland, Wellington, Christchurch, Hamilton, Bay of Plenty, Hawkes Bay, Nelson/Tasman, Southland and Queenstown, and has supported more than 20,000 clients since inception. Its service lines cover first home buyer mortgages, refinance/refix and restructure, property investment mortgages, commercial mortgages, build and development lending, financial hardship advisory, and ancillary asset finance, car finance, and FX currency exchange through a partnership with Prospa.

The business is organised around three sister brands under common ownership: The Mortgage Supply Co (core residential and commercial mortgage broking), The Insurance Supply Co (general insurance brokerage operating under Community Broker Network Ltd's Class 2 Financial Advice Provider licence), and The Wealth Supply Co (KiwiSaver and wealth management advisory). Insurance distribution draws on panels including AIG, Chubb, QBE, Vero, Zurich, Star, Ando, and Classic Cover. The firm has won Top Mortgage Brokerage awards in 2024 and 2025 and was named Top Mortgage Employer in 2024.

The revenue model is commission-based. Mortgage advisers are paid by lenders, so mortgage advice is offered free to clients; insurance revenue combines provider commissions with time- and complexity-based fees. The core go-to-market is sales-led through the direct adviser network, supplemented by online booking, a toll-free 0800 number, content marketing via the company blog and newsletter, local community engagement, and a referral-heavy client base evidenced by multiple 5-star testimonials. The firm identifies no proprietary technology platform, with its offering explicitly framed as advisory rather than technology-enabled.

Name

The Mortgage Supply Company

Legal name

The Mortgage Supply Co Limited

Website

https://mortgagesupply.co.nz

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

The Mortgage Supply Company is a New Zealand mortgage brokerage founded in 2011, operating a national network of 74 advisers under three sister brands covering mortgages, insurance, and wealth management, and serving over 20,000 clients through commission-based, lender-funded advisory services.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Commercial & Multifamily Mortgage Brokers (FSALABAB), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage
• Home loan advisory
• Insurance brokerage
• Wealth management
• Refinancing services

Headquarters

HQ city

Te Atatu

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Mortgage Commission: Advisers are typically paid by the bank or lender, resulting in no cost to the client for mortgage services. Any fees that might be included are disclosed transparently early in the process.
2. Insurance Commission: The Insurance Supply Co earns through a combination of fees and commissions from insurance providers. Fees are based on time and complexity involved in setting up policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

The Mortgage Supply Co is a New Zealand mortgage brokerage that connects individual consumers and small businesses with a nationwide panel of lending providers to arrange home loans, refinancing, property investment, commercial, and build/development financing. Through sister brands The Insurance Supply Co and The Wealth Supply Co, the firm also arranges general insurance policies and provides KiwiSaver and wealth advisory services. Advisers are paid by lenders and insurance partners, so core advisory services are typically provided at no direct cost to the client.

Product overview

The Mortgage Supply Company operates as a multi-brand financial services brokerage comprising The Mortgage Supply Co (core mortgage brokerage), Insurance Supply Co (general insurance), and Wealth Supply Co (wealth management/KiwiSaver). The main mortgage service offers tailored advice across first home buyers, refinancing, property investment, commercial lending, and financial hardship, connecting clients with a nationwide network of lenders. Supporting services include business loans and asset finance (partnered with Prospa), car finance, and FX currency exchange. The three sister brands work together to provide integrated financial advice spanning mortgages, insurance, and wealth management.

Differentiator

Problem solved

Functional benefit

Brands

• Insurance Supply Co: Insurance brokerage providing personal cover, business insurance, and asset protection services. Partners with multiple insurance providers including AIG, Chubb, QBE, Vero, and Zurich.
• Wealth Supply Co

Products and services

• The Mortgage Supply Co (Mortgage Brokerage) Core mortgage brokerage service connecting individual consumers and small businesses across New Zealand with a nationwide panel of lending providers, covering first home buyer, next home buyer, refinancing, property investment, commercial, build and development, and financial hardship scenarios.
• Insurance Supply Co Sister-brand insurance brokerage providing personal cover, business insurance, and asset protection including domestic property, contents, liability, motor, cyber, travel, and specialised insurance products. Operates under Community Broker Network (CBN NZ) as Authorised Body.
• Wealth Supply Co Sister-brand wealth management and KiwiSaver advisory service helping clients with retirement planning, savings growth, and investment strategies.
• First Home Buyer Mortgages Specialised mortgage advisory for first home buyers, including guidance on KiwiSaver withdrawals, First Home Grants, First Home Loans, and tailored lending options.
• Refinance, Refix & Restructure Mortgage refinancing, refixing, and restructuring solutions allowing clients to adjust interest rates, modify loan terms, or replace existing mortgages for better terms or to access equity.
• Property Investment Mortgages Mortgage advisory for investment property purchases, including guidance on deposit requirements (typically 35%), borrowing capacity, equity release, and rental property considerations.
• Commercial Mortgages Commercial real estate financing solutions for property acquisition, refinancing, and development projects with innovative financing strategies.
• Asset & Business Finance Business loans and asset finance solutions provided in partnership with Prospa, designed to help entrepreneurs fuel growth, expand operations, invest in equipment, or bridge cash flow gaps.
• Car Finance Automotive financing solutions to help clients purchase vehicles.
• FX Currency Exchange Foreign exchange and currency exchange services for clients needing international currency conversion.
• Financial Hardship Support Specialised advisory services for clients experiencing financial difficulty, helping navigate cash flow challenges, mortgage arrears, or temporary setbacks.

Quantifiable outcome

• 20,000+ clients helped since 2011
• +1 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Community Broker Network Ltd t/a CBN NZcoreChannel Partner/ Reseller/ DistributorCBN NZ is a Financial Advice Provider that The Insurance Supply Co operates under as an Authorised Body. They hold a Financial Advice Provider Class 2 License and are affiliated with Steadfast NZ Limited.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• FastTrack Finance: NZ mortgage and insurance brokerage helping borrowers access multiple lenders. Closely comparable advisory-led model targeting first home buyers and refinancers across New Zealand.
• Loan Market New Zealand: One of the largest mortgage broker networks in New Zealand, aggregating advisers under a franchise model. Closest comparable in scale, adviser-network distribution, and lender-intermediation model to Mortgage Supply Co.
• Squirrel Mortgages: New Zealand digital-first mortgage brokerage offering home loans, refinancing and insurance products. Directly competes with Mortgage Supply Co across the same broker-to-borrower value proposition, though with a heavier digital/tech orientation.
• Mike Pero Mortgages: Established NZ mortgage brokerage franchise founded by Mike Pero, providing residential and investment property loan advice through a nationwide adviser network. Comparable on broker franchise model and residential mortgage focus.
• Mortgage HQ: NZ mortgage brokerage offering first home buyer, refinance, investment and construction loans via a network of advisers. Directly comparable broker-led residential mortgage business.

Broad incumbents

• Crombie Lockwood: Large NZ insurance and risk advisory broker. Comparable on the insurance brokerage leg of Mortgage Supply Co's business, though materially broader in commercial and corporate lines.
• Forsyth Barr: NZ-owned investment advisory and wealth manager with KiwiSaver, portfolio management and investment advice. Comparable to Wealth Supply Co on the KiwiSaver and wealth advisory leg of the business.
• Rothbury Insurance Brokers: Established NZ general insurance broker with national presence. Comparable to Insurance Supply Co in intermediating personal and business insurance across multiple providers.

Regional players

• Aussie Home Loans: Large Australian broker aggregator with store-based adviser network serving residential mortgages and insurance. Useful regional comparable on broker-network economics and multi-product cross-sell.
• Mortgage Choice: Australian franchise mortgage broker network owned by REA Group. Comparable on the franchise/adviser aggregation model and lender-intermediation economics, though operating across the Tasman.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mortgage_nz

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Mortgage Supply Company