A mortgage broker on the first floor of 10 Hutt Road in Lower Hutt Central, working under the LifeDirect Mortgages name. A broker sits between the borrower and the banks, so the job is to compare lending options for a home loan, a refinance or an investment property and to put them to the client in plain terms. Open Locally lists two other mortgage brokers within a kilometre, Stephen Robinson and Jorja Woodward, both trading as LifeDirect Mortgages and both with 5.0 ratings. The Hutt Road office is close to the Lower Hutt rail station and the main shopping streets. A first-time buyer, someone who is refinancing, or a property investor can all come to a broker like this, and an appointment is the usual way to start.