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Wellington's Leading Mortgage & Insurance Brokers


Going to see your local banker at the branch only gives you one option when shopping for a home loan. To meet with all the banks yourself would mean filling in a different loan application each time.


Yes thats right! The lender pays our fee so you have nothing to lose and everything to gain by asking us to organise your mortgage for you.


Generally speaking with a mortgage broker involved the lender always needs to be competitive as the broker will be aware of what other banks are offering in the market.






Having a mortgage broker act for you takes all the hassle out of shopping for a home loan.

At Rule Financial Services we shop the lenders for you ourselves and search out the best home loan solution for your particular circumstances. We are passionate that we give you an “unbiased” and informed choice when it comes to recommending a lender to you. Oh….did we mention we’re a FREE service? Yes that’s right! The lender pays our fee so you have nothing to lose and everything to gain by asking us to organise your mortgage for you.

Using a mortgage broker also has no impact on the kind of deal you get from the lender if you went directly to them yourself for a home loan. Generally speaking with a mortgage broker involved the lender always needs to be competitive as the broker will be aware of what other lenders are offering in the market.

Rule Financial Services prides itself on keeping the lenders honest when it comes to securing a home loan for our customers.

Learn more about how a mortgage broker works

What our customers think

"Simon was an invaluable source of guidance and knowledge for us while we went through the process of buying our first house. We definitely felt like we were very well taken care of by Simon and we felt like we could trust him completely. We felt like we got a great deal with the bank because of Simon’s ability to negotiate and his in-depth knowledge. Without Simon, the whole process of buying a house would have been much more stressful! It always felt like Simon had our backs. We have already passed his name on to other people we know who are looking to buy a house.


Thanks so much for your help, as we mentioned when you came to have a look at the place, we are so grateful for all the advice and assistance you gave us over the long process of house hunting. it was very reassuring to know we could always check with you if we felt like we were being misled by a dodgy estate agent.


- Caitlin & Chris (Karori, Wellington) 

"Simon was a great help when restructuring our insurance requirements recently. Rather than just provide the options Simon gave excellent real world advice which was tailored to us, not just a standard market response. When we looked at things freshly we realised our insurance was far greater than we needed and so have saved almost $200 a month on our premiums. What is great however, is that Simon didn’t just discuss the here and now but also how our policies might change in the future as our needs change and financial position changes. It is great to feel there is plan in place, rather than just making a one off purchase. It is always hard making a final decision on what cover to get but with Simon’s help and advice we both felt very confident in the choices we made. Simon also worked hard on getting our policy in place as quicly as possible. He was constantly pushing all parties (including ourselves) to ensure we were saving money as soon as we could be. I have every confidence that Simon will contact us regularly to ensure our insurance needs are covered and that he will be up to date with new information and technology available. I have no hesitation in recommending Simon to others."

- Sally & Justin (Northcote, Auckland)

"We asked Simon to review our insurance to see if we could save some money. He listened to what we wanted and unlike our last adviser didn’t treat us like children. We were able to reduce our premiums by $60 a month from what we were previously paying with our old insurer and now have our mortgage repayments covered also. Thanks Simon! We always mention your name to friends when discussing finance round the dinner table."

"Simon was great! We got put on to him by our friends who had used him for a mortgage a few months ago and we are so pleased now we took their advice and called him. He organised us a pre approval with the bank and even negotiated down the deposit the agent wanted for the house we made our offer on. We felt he genuinely cared about us being able to afford the mortgage we were borrowing at the bank and he’s always kept us up to date with what’s happening with interest rates ever since."

- Matt & Jemma (Kilbirnie, Wellington)

- Sam & Sarah (Titahi Bay, Wellington)