Ingerson Home Loans & Insurance is an independent mortgage and insurance advisory based at Fergusson Drive in Upper Hutt, Wellington, offering local knowledge and professional advice to help clients get onto the property ladder, secure their future and protect their assets. The business (trading as M I Mortgages Limited) draws on 30 years of combined experience and has worked with more than 1,000 clients.
The team is led by Matt Ingerson, a Registered Financial Advisor with 20 years of experience helping clients navigate home loans and insurance, and Rebecca (Bex) Ingerson, who brings 16 years of banking sector experience and specialises in residential property lending. Rather than treating clients as numbers, the pair describe their approach as personal — offering one point of contact who guides clients through the entire process, whether face to face, by phone, or digitally.
Ingerson's services span first home buyer advice, home loan and mortgage advice, and insurance and protection planning covering life insurance and income protection, aimed at keeping clients' income and assets protected. The business also offers a free Home Loan Review for those considering refixing their mortgage.
Ingerson Home Loans & Insurance offers independent home loan and insurance advice from its base on Fergusson Drive in Upper Hutt, Wellington. Trading as M I Mortgages Limited, the business draws on 30 years of combined industry experience and has worked with more than 1,000 clients on their journey toward home ownership and financial security.
The business is led by Matt Ingerson, a Registered Financial Advisor with 20 years of experience helping clients navigate the home loans and insurance fields. Matt started the business after identifying a gap in the advice traditional institutions were offering home buyers, using his understanding of how banks and lenders work to help clients improve their finances and secure the right lending. Alongside him is Rebecca (Bex) Ingerson, who brings 16 years of experience from the banking sector and specialises in residential property lending. Moving into independent advice allowed Rebecca to offer more personalised guidance and build closer relationships with clients throughout their home loan journey.
Ingerson positions itself against the more transactional, box-ticking approach clients might experience at a big bank. The team says its clients are at the centre of everything it does, with a service built on genuine care and an understanding of the housing market drawn from firsthand experience. Clients get a single point of contact who takes care of their needs from start to finish, whether they prefer working face to face, over the phone, or digitally — rather than having to coordinate between multiple institutions and advisors themselves.
Ingerson's core services span three areas: first home buyer advice, tailored to the specific hurdles Wellington buyers face getting onto the property ladder; home loan advice, aimed at finding a mortgage solution that works for the client's situation while saving them money through industry knowledge; and insurance and protection planning, covering life insurance and income protection to keep clients' income and assets protected if the unexpected happens.
The business also publishes ongoing mortgage advice and market commentary through its News & Updates section, covering topics like the difference between restructuring and refinancing a mortgage, and whether refinancing might make sense in the current market — reflecting an approach that keeps existing clients informed, not just new ones.
Client feedback consistently highlights the personal service from both Matt and Bex. Reviewers describe them as going out of their way to help, working around the clock, and being clear, efficient communicators across multiple house sales and loan applications. One client specifically credited the team with helping streamline her existing loans and secure a new loan for renovations, describing the process as easy and seamless.
Ingerson offers a free Home Loan Review for anyone considering refixing their mortgage — a short, no-cost process aimed at providing tailored, independent advice. The business can be reached at its Upper Hutt office on Fergusson Drive, by phone (office, or Matt and Bex directly), by email, or by booking an appointment through its website.