The Mortgage Advice Company is an independent mortgage and insurance advice firm based at 9-11 Kings Crescent in Petone, Lower Hutt, working with clients across the Hutt Valley, Wellington, Auckland and nationwide. Its motto — 'We Don't Do Carrots' — signals the firm's stance: advice free from lender incentives, tailored around your goals rather than anyone else's targets.
The team helps first-home buyers navigate the mortgage market (with the recurring wisdom that the lowest rate is not always the cheapest), supports property investors and developers, assists with refinancing and restructuring for anyone 'peeved with their bank', and arranges commercial and business loans without the long wait times and cumbersome applications. A wide range of accredited lenders sits behind the lending advice, while a partnership with The Insurance Advice Company adds life, trauma/critical illness, permanent disability, mortgage protection, income protection and medical insurance.
Clients deal with named advisers — including Rob McIntyre, Brock Shute, TJ – Taman Paulik, Dipak Sukha, Vihang Dhat and Dan Juno on the mortgage side, and Allister McIntyre and Thurl Gibbs on insurance — supported by client services managers and a lending specialist. The firm describes its culture as Inspired, Supported, Easygoing and Open-minded, and has been recognised among New Zealand's top brokerages in the MPA mortgage awards in 2023, 2024 and 2026. It is a licensed Financial Advice Provider with published public disclosure and a documented complaints process, and offers a free online loan calculator and home loan rates page for those starting their research.
The Mortgage Advice Company works from 9-11 Kings Crescent in Petone, Lower Hutt, and if you want to understand the firm quickly, its tagline does most of the explaining: "We Don't Do Carrots." What they mean is that the advice is genuinely independent — free from the incentive payments and lender tie-ins that can colour what some brokers recommend. Whether you're a first-time homebuyer, a property investor, or simply refinancing an existing mortgage, the team positions itself as a sounding board that works for you, not for a bank.
Based in the Hutt, the company serves clients across the Hutt Valley and Wellington, and well beyond — it proudly services clients across New Zealand, with a dedicated broker available in Auckland. The promise is "national coverage, local support": wide reach delivered by advisers who know their patch.
The mortgage side covers four main grounds. First-home buyers get guidance shaped for people new to the mortgage market, along with a piece of house wisdom the firm repeats often: the lowest rate is not always the cheapest loan. Property investors and developers get advice built around the realities of buying a home to rent out, which the team notes is quite different from buying one to live in. Refinancing clients — including anyone peeved with their bank — get help restructuring or switching, with the company completely independent of any lender. And businesses can tap commercial and business loan advice designed to skip the long wait times and cumbersome applications.
Behind all of this sits a wide range of accredited lenders, which the firm lists openly on its website. That breadth matters: it is what lets the advisers compare options rather than simply place you wherever is convenient.
Mortgages are only half the story. Through a partnership with The Insurance Advice Company, the group covers life insurance, trauma and critical illness cover, permanent disability insurance, mortgage protection insurance, income protection and medical insurance — the full set of protections that matter most when you're carrying a home loan.
The team describes itself as Passionate, Responsible, Agile, Transparent and Experienced. Its stated core values — Inspired, Supported, Easygoing and Open-minded — give a fair sense of the tone clients can expect: relaxed and approachable, focused on doing what's right for you regardless of the situation, and committed to making the process as stress-free as possible.
The people behind the name include mortgage advisers Rob McIntyre, Brock Shute, TJ – Taman Paulik, Dipak Sukha, Vihang Dhat and Dan Juno; insurance advisers Allister McIntyre and Thurl Gibbs; a bench of client services managers including Kelly Lomax, Haylee Bankart, Angus Bowmar, Rowan Farrell and Chris Mariano; and lending specialist Jo Bach. Each adviser has a direct line, so you deal with a person rather than a queue.
The work has been recognised externally too — the firm has been named among New Zealand's top brokerage firms in the MPA mortgage awards in 2023, 2024 and 2026. It is a licensed Financial Advice Provider, with public disclosure and a documented complaints process published on its site, so you can check the paperwork before you commit.
If you'd rather dip a toe in before talking to anyone, the website offers a loan calculator for estimating repayments and a home loan rates page for keeping an eye on the market. From there, the contact form or a free call to 0800 MAC IAC (0800 622 422) connects you with the team.
Whether the goal is a first home, a rental portfolio, a better deal on an existing loan, finance for a business, or insurance to protect it all, the pitch stays the same: sound, independent advice with no carrots — just the numbers, clearly explained, and a recommendation built around the lifestyle you actually want.