Opes Mortgages

What Opes Mortgages does

Opes Mortgages is a New Zealand mortgage advisory firm specializing in financing for property investors. Founded in 2020 and headquartered in Auckland and Christchurch, the firm operates as the dedicated mortgage brokerage arm of Opes Group Holding Company Limited, sitting alongside sister companies Opes Partners, Opes Property Management, Opes Accounting, Opes Insurance, and Opes+. The firm maintains a panel of 26 New Zealand lenders — covering all major banks (ANZ, ASB, BNZ, Kiwibank, Westpac) and a broad set of second-tier and non-bank lenders (Heartland, SBS, Bluestone, Resimac) — and is led by Managing Director Peter Norris, who has facilitated more than NZ$1.2 billion in lending across 2,000+ clients over a 10+ year broking career and was named BNZ Mortgage Adviser of the Year in 2018 and an NZ Adviser Top Adviser in 2022.

The company's core offering is a sales-led, adviser-driven mortgage procurement service ('Get a Mortgage') complemented by 'Get Investment Ready' financial-readiness coaching and a 'Refinance and Restructure' service for fixed-rate renewals. Specialized investor strategies — including split banking, pre-allocated titles for New Build off-the-plans purchases, and upfront valuations — differentiate the firm from generic brokers. Supporting tooling is limited to non-proprietary calculators (mortgage repayment, affordability, interest-only) on the company website; there is no proprietary technology platform, API, or app, and the firm relies on standard financial services tooling.

Opes Mortgages generates revenue through lender-paid commissions on successfully settled mortgages (transaction-fee model), with the service priced at zero to the end client via a freemium free-consultation model. Distribution is direct via adviser consultations nationwide, supplemented by Opes Group cross-referrals and content marketing (a fortnightly 'Mortgage Master' newsletter and a regularly updated learning centre on the website). The firm employs 13 staff across advisory, support, quality assurance, and investment-coaching functions.

Name

Opes Mortgages

Legal name

Opes Partners New Zealand Limited

Website

https://opesmortgages.co.nz

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Opes Mortgages is a New Zealand mortgage advisory firm that helps property investors obtain financing through a 26-lender panel, operating as the dedicated mortgage brokerage arm of Opes Group alongside property coaching, management, accounting, and insurance services.

Ownership category

akta.pro rank

Product category

Mortgage Advisory / Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Mortgage advisory
• Property investment lending
• Mortgage brokerage
• Investment property finance
• Home loan advisory

Headquarters

HQ city

Auckland

HQ country

New Zealand

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Commission: Opes Mortgages operates as a mortgage broker/adviser earning commission from lenders when mortgage applications are successfully settled. Mortgage brokers in New Zealand typically receive commission from the bank upon successful loan settlement. The service is free for clients as the commission is paid by the lender.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Opes Mortgages is a New Zealand mortgage advisory firm that helps property investors obtain mortgages and grow their portfolios by brokering loans across a network of 26 lenders. The firm also provides investment readiness coaching, mortgage refinancing/restructuring services, and supports clients with online mortgage calculators and educational content. Services are delivered through qualified mortgage advisers across Auckland and Christchurch, with clients not paying direct fees as the firm earns lender commissions upon successful loan settlement.

Product overview

Opes Mortgages operates as a specialized mortgage advisory firm for property investors within New Zealand's Opes Group ecosystem. The core offering consists of mortgage advisory services (Get a Mortgage) that work with 26 different lenders, complemented by investment readiness coaching (Get Investment Ready) and mortgage restructuring services (Refinance and Restructure). The company provides supporting digital tools including Mortgage Affordability Calculator, Mortgage Calculator, and Interest Only Mortgage Calculator. Specialized strategies offered include Split Banking for portfolio growth, Pre-allocated Titles for new build risk mitigation, and Upfront Valuations for property value protection. All services integrate with the broader Opes Group family of companies including Opes Partners (investment coaching), Opes Property Management, Opes Accounting, Opes Insurance, and Opes+.

Differentiator

Problem solved

Functional benefit

Products and services

• Get a Mortgage Mortgage procurement service that connects clients with 26 different lenders across New Zealand, helping secure financing when banks decline applications. Targets property investors and other borrowers needing access to a broad lender network.
• Get Investment Ready Financial readiness coaching service that helps clients prepare financially to purchase investment properties or grow existing portfolios, delivered by an Investment Ready Coach ahead of the mortgage application stage.
• Refinance and Restructure Mortgage restructuring and refixing service for clients with fixed rate mortgages approaching renewal, helping optimize loan structures and lending arrangements across the firm's 26-lender network.
• Split Banking Strategy Portfolio growth strategy involving use of multiple banks to maximize borrowing capacity and manage investment properties more effectively. Targeted at property investors looking to expand or restructure their portfolios.
• Pre-allocated Titles Early title allocation strategy enabling mortgage documentation before property construction completion, reducing finance risk for new build investors purchasing New Build off-the-plans properties.
• Upfront Valuations Pre-construction property valuation service that locks in a value assessment before build completion, protecting investors against valuation drops between contract signing and settlement for new build properties.

Quantifiable outcome

• $1.2 billion+ in lending facilitated for 2,000+ clients

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• Opes Partners: Opes Partners is the sister company within Opes Group providing property investment coaching. Not a direct mortgage competitor but adjacent within the same parent ecosystem and a key referral source for Opes Mortgages' investor client base.
• Heartland Group Holdings: Heartland is one of Opes's 26 lending partners and a major NZ non-bank lender offering residential and reverse mortgages directly. It is both a partner and a partial competitor, as Heartland originates mortgages directly to consumers that Opes could otherwise broker.

Direct peers

• Squirrel Mortgages: Squirrel is NZ's largest dedicated mortgage broker with a digital-first platform, broad lender panel, and nationwide adviser coverage. It is the most direct competitive analogue to Opes Mortgages in the NZ multi-lender brokerage segment.
• Mike Pero Mortgages: Mike Pero is one of the most established NZ mortgage broker chains with multiple regional offices and a wide lender panel. Comparable to Opes in offering residential and investment mortgage brokerage across NZ.
• Mortgage Express NZ: Mortgage Express is a NZ mortgage broker with a broad lender panel and adviser network. Operates in the same residential and investment mortgage brokerage category as Opes Mortgages.
• Capital NZ Mortgages: Capital NZ Mortgages is a NZ mortgage broker offering residential and investment lending advice with access to multiple lenders. Directly comparable to Opes in target customer segment and brokerage business model.
• AA Money: AA Money is a NZ mortgage and personal finance broker leveraging the AA membership brand. Operates in the same residential mortgage intermediation category as Opes Mortgages with multi-lender access.
• NZ Home Loans: NZ Home Loans is a long-standing NZ mortgage broker focused on residential and investor lending with multiple regional offices. Comparable to Opes in target customer (home buyers and property investors) and lender-broker model.
• Loan Market NZ: Loan Market is a franchise mortgage broker network with strong NZ presence and multi-lender access. Operates in the same residential and investment mortgage intermediation category as Opes Mortgages.

Broad incumbents

• Mortgage Choice (NZ operations): Mortgage Choice is an ANZ-region mortgage broker brand with NZ operations. Larger, more diversified player offering residential and investment mortgages through a wide adviser network — overlaps Opes in mortgage intermediation but with broader geographic and product footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/opesmortgages

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Opes Mortgages