North Harbour

The North Harbour office of New Zealand Home Loans has been on Apollo Drive since April 2007. It was important for Bob and Jo to choose a spot in a commercial area, rather than a “High Street” location as visiting… Read More

The North Harbour office of New Zealand Home Loans has been on Apollo Drive since April 2007. It was important for Bob and Jo to choose a spot in a commercial area, rather than a “High Street” location as visiting New Zealand Home Loans is not like popping in to a bank. It is more of an engagement than a transaction. The team are committed to their area and support the North Harbour Club, which raises money for high-achieving youngsters. Among those to receive a share of the more than $1.4 million distributed is Lydia Ko, the world’s No 1 ranked female amateur golfer.

Office Contact Information

  • Physical Address:

    Unit A/4 Antares Place, Rosedale, Auckland 0632

  • Postal Address:

    PO Box 305064, Triton Plaza, North Shore City 0757

  • Email:

    [email protected]

  • Phone:

    09 476 0406

In our customers' words

"Lynne and I had been thinking about getting an investment property. Jo made this and more possible. Not only did Jo and the team assist us in setting up our existing property as a Rental, we were able with their help to afford a property with huge potential in a…" Read More

"Lynne and I had been thinking about getting an investment property. Jo made this and more possible. Not only did Jo and the team assist us in setting up our existing property as a Rental, we were able with their help to afford a property with huge potential in a better area as our next project. Jo and the team made the whole process very easy. Jo and the team were very patient through the 3 prior approvals, 2 failed auction bids etc. until found the doer upper of our dreams. Finally also now we are established in our doer upper we have had a health crisis. Thanks to Jo and the team with her financial planning and Risk assessment/Hazard Management plan we have had the right insurances in place to help us through this crisis. Thanks again to Jo, Bob and the team at North Harbour New Zealand Home Loans. We cannot thank them enough and would recommend them to any prospective clients. They treat you like family, not a customer and genuinely have you the customer’s best interests at heart."

Greg & Lynne
Auckland

In our customers' words

"We would like to take this opportunity to say thanks very much to you both and to the rest of the team for all your help and advice over the last many years. We loved dealing with you and included you in the great people that we say we surround…" Read More

"We would like to take this opportunity to say thanks very much to you both and to the rest of the team for all your help and advice over the last many years. We loved dealing with you and included you in the great people that we say we surround ourselves with. We wish NZHL continued success and of course you will be the first point of call should we ever need to take out a mortgage again."

Tony & Michelle
Auckland

In our customers' words

"Jo McRae is a life saver. My husband and I thought we would need to sell our house and downsize in order to get on top of our debt. We both earn relatively good pay, but could not get on top of our debts. For quite some time I have…" Read More

"Jo McRae is a life saver. My husband and I thought we would need to sell our house and downsize in order to get on top of our debt. We both earn relatively good pay, but could not get on top of our debts. For quite some time I have said to my husband we need a financial adviser. We went to see our bank and all they offered us was ‘more debt’. We are not extravagant spenders. I had put together a spreadsheet of our finances and could not see a way out with our current situation. We are about ten years off retirement age, and did not want to still be carrying a mortgage by the time we retire. With our current bank we would still be carrying a mortgage by the time we retired. I walk with my neighbour every morning and she said she was thinking about changing her mortgage to New Zealand Home Loans. After explaining what they were offering I said, ‘you have nothing to lose’. She switched and was very happy and asked me if I would like to meet with them. We were happy to. Jo came to our home and from the moment I met her I knew she was the financial advisor that we needed. She has a good handle on the banking system and knows what it is like to be between a rock and a hard place with your finances. Jo ran the numbers. Hallelujah! By switching to New Zealand Home Loans even with the break fee, we were going to be much better off and by the time we are ready to retire our mortgage will be paid!!!!!! We are able to do a small renovation to our house that we have wanted to do for quite some time. The financial weight that Jo lifted was unbelievable. We have a plan now, thanks to Jo. Many thanks Jo."

J Dwyer
Auckland

In our customers' words

"Jo McRae is our consultant. I’d heard she was good from a neighbour and I thought ‘yeah, yeah, just another broker’… 2 months later I rang her at my wits end. I was stuck on a high interest rate, needed to upgrade my work computers (graphic designer working from home),…" Read More

"Jo McRae is our consultant. I’d heard she was good from a neighbour and I thought ‘yeah, yeah, just another broker’… 2 months later I rang her at my wits end. I was stuck on a high interest rate, needed to upgrade my work computers (graphic designer working from home), and not enough money coming in -my existing broker said “Can’t loan you more money, can put you on paying interest only”, Jo said on that first meeting (on a Sunday morning… I obviously sounded REALLY stressed) ‘we can combine your debt, put you on a lower interest rate and get you those computer upgrades AND you can check your progress on-line AND I’ll come and see you again in a month to help make sure you are happy and on track AND I’ll talk to you the month after that’ – which she did! Jo looks after you, she’s not here to sell you stuff, she wants to help you and she wants to help you get debt free quicker. I have recommended Jo to soooo many people, because she cares and she is awesome"

Andreena
Auckland

In our customers' words

"Jo McRae ……is quite simply THE BEST, as a first home buyer she made the process simple, understandable and got everything together in a timely fashion. The nature of my deal was reasonably complicated thanks to my lawyer BUT she handled it with ease…her customer service is some of the…" Read More

"Jo McRae ……is quite simply THE BEST, as a first home buyer she made the process simple, understandable and got everything together in a timely fashion. The nature of my deal was reasonably complicated thanks to my lawyer BUT she handled it with ease…her customer service is some of the best I have ever experienced…in any field!! Not to mention a lovely lady."

J Dorset
Auckland

In our customers' words

"I have the most awesome consultant Joanne McRae from North Harbour New Zealand Home Loans. I couldn’t ask for a more motivating and encouraging consultant, she makes me feel like part of the New Zealand Home Loans family. Thank you Jo. I look at my friends that have bank mortgages…" Read More

"I have the most awesome consultant Joanne McRae from North Harbour New Zealand Home Loans. I couldn’t ask for a more motivating and encouraging consultant, she makes me feel like part of the New Zealand Home Loans family. Thank you Jo. I look at my friends that have bank mortgages and just think you idiots, Jo has managed to support me in purchasing a property by myself on the North Shore of Auckland. I don’t feel constrained by my loan, I love the fact that it says my home loan free date will be in 13 years, I feel safe in the knowledge that while I am currently deployed overseas, my home loan sits at the back of my mind. Thank You Jo and the Albany North Shore team."

K Watt
Auckland

In our customers' words

"OK I can’t see there is ANY competition….IT’S Jo McRae – a cross between the warmest friendliest most sincere person on the planet and a terrier with a bone…ALWAYS ROOTING FOR YOUR DOLLAR to make you money DOLLAR/SAVE your DOLLAR…..energetic, rigorous, robust, open, challenging, determined, driven, loyal, sensible, guru. Always…" Read More

"OK I can’t see there is ANY competition….IT’S Jo McRae – a cross between the warmest friendliest most sincere person on the planet and a terrier with a bone…ALWAYS ROOTING FOR YOUR DOLLAR to make you money DOLLAR/SAVE your DOLLAR…..energetic, rigorous, robust, open, challenging, determined, driven, loyal, sensible, guru. Always available, amazing advice, quite scintillating. Now I’m a discerning, highly demanding sorta customer and I’ve been around – I have exceptional expectations of customer/ client service. Jo over-delivers every time and I’d recommend her to anyone serious about living better, making money go further, low debt, safe and secure money. Gotta LOVE this woman – give her your bone everytime, she won’t let go until it’s well buried and even then she’ll dig it up a few times to check it’s OK for U."

P Holden
Auckland

In our customers' words

"Shirley Jeffreys, there is nothing better than an agent that you can ring even after several months have passed and you say hi and they know exactly who they are talking to. Shirley asks not just after me by my son and partner as well and how things in general…" Read More

"Shirley Jeffreys, there is nothing better than an agent that you can ring even after several months have passed and you say hi and they know exactly who they are talking to. Shirley asks not just after me by my son and partner as well and how things in general are going. There is that personal touch that is magic. The thing I love about her as an agent is that she keeps an eye on my account and rings when something is happening in the market that I should be aware of that might benefit me and help get my loan paid off faster. She is friendly, warm, welcoming, informative, knowledgeable and an on to it agent. I would recommend her and New Zealand Home Loans without a doubt if someone was talking to be about a loan. Fantastic all round service."

J Walker
Auckland

In our customers' words

"People keep telling me that buying your first home is one of the most stressful and hardest things you can do. I tell them they have never been to see Shirley at New Zealand Home Loans. We are forever thankful."

"People keep telling me that buying your first home is one of the most stressful and hardest things you can do. I tell them they have never been to see Shirley at New Zealand Home Loans. We are forever thankful."

Scott & Lisa
Auckland

In our customers' words

"Jo McRae is our consultant. I’d heard she was good from a neighbour and I thought ‘yeah, yeah, just another broker’… 2 months later I rang her at my wits end. I was stuck on a high interest rate, needed to upgrade my work computers (graphic designer working from home),…" Read More

"Jo McRae is our consultant. I’d heard she was good from a neighbour and I thought ‘yeah, yeah, just another broker’… 2 months later I rang her at my wits end. I was stuck on a high interest rate, needed to upgrade my work computers (graphic designer working from home), and not enough money coming in -my existing broker said “Can’t loan you more money, can put you on paying interest only”, Jo said on that first meeting (on a Sunday morning… I obviously sounded REALLY stressed) ‘we can combine your debt, put you on a lower interest rate and get you those computer upgrades AND you can check your progress on-line AND I’ll come and see you again in a month to help make sure you are happy and on track AND I’ll talk to you the month after that’ – which she did! Jo looks after you, she’s not here to sell you stuff, she wants to help you and she wants to help you get debt free quicker. I have recommended Jo to soooo many people, because she cares and she is awesome"

Andreena
Auckland

In our customers' words

"I have been a delighted NZ home loans customer for over ten years now. My consultant Bob McRae has been the most supportive, honest and genuine mortgage consultant one could ask for. He has gone over and beyond the call of duty to provide me with a second to none…" Read More

"I have been a delighted NZ home loans customer for over ten years now. My consultant Bob McRae has been the most supportive, honest and genuine mortgage consultant one could ask for. He has gone over and beyond the call of duty to provide me with a second to none level of customer service. His wise advice has kept me on the right track towards an ideal financial position. I feel privileged to have Bob and his North Harbour team on my side and look forward to our continuing cooperation. Thanks for your commitment my family and I for reducing our debt faster!"

Jeff Allen
Auckland

Get in touch with the North Harbour Team