Lending advice
that holds up
to every tide.
Independent mortgage brokers and commercial finance specialists, built on 40+ years inside the lending system, and more than $350 million settled across New Zealand.
Mortgage specialists across the full spectrum of NZ borrowing.
Whether it's your first home or a fifty-million-dollar development, the structure of the loan matters more than the rate. We get both right.
Four decades inside the lending system. Now, on your side of the table.
Harbourstone exists for one reason: to give every New Zealander access to the kind of specialist lending expertise that makes the difference between the right outcome and a costly compromise.
About Harbourstone →Pick your starting point.
First Home Buyers
KiwiSaver, deposit structure, lender selection. Clear advice without the jargon.
Learn more →Refinancing
Clear-eyed review of your current rate, structure and term. Benchmarked against the market.
Learn more →Construction
Progress payments, fixed-price contracts, and the lenders that understand them.
Learn more →Bridging Finance
Buy before you sell. Short-term lending structured to settle without stress.
Learn more →Pre-Approval
Know your budget before you house hunt, make an offer or bid at auction.
Learn more →Investment Property
Portfolio structure, equity release, and lender selection for residential investors.
Learn more →Development Finance
Feasibility through to draw-down. Residual stock, construction, staged developments.
Learn more →Commercial Property
Owner-occupied, investment, and specialised commercial lending across main and non-bank lenders.
Learn more →Business Lending
Working capital, acquisition, and refinancing for established New Zealand businesses.
Learn more →How we work, in four steps.
- 01
Discovery
We get to know your situation, your goals and anything that could get in the way.
- 02
Structure
We design how the loan should be set up and shortlist the lenders that suit it.
- 03
Submit
We prepare your application and present it to the right lender.
- 04
Settle
We coordinate settlement and the release of funds, then review your loan with you after the first year.
What 26 years inside a bank teaches you
Carl spent 16 years at ANZ and 10 at Westpac before becoming an adviser. He has sat on the side of the desk where applications are read, declined, and approved.
That matters for one reason. He knows what the credit assessor is looking at, which is rarely what the borrower thinks it is. We build the application before we submit it. We choose the lender deliberately, because two lenders will read the same financials differently and one of them is usually wrong about you.
Most brokers work the rate. We work the structure.
More about Carl →Turned down by your bank? We can often get you over the line.
The clearest test of an adviser is a file that another lender has already turned down. That is where 26 years of reading credit decisions earns its keep.
How we handle declined applications →
"Two lenders had already said no. Carl found the add-backs their assessors missed, rebuilt the application, and it settled."
What clients say about working with Carl.
Carl was an absolute pleasure to work with. His knowledge, professionalism and prompt communication gave us confidence throughout our first home purchase. He secured us an excellent deal with Westpac and made the entire process seamless. We highly recommend Carl to anyone looking for a mortgage broker.
Three of us, all self employed, wanted to get a home loan for a shared house. Without the expertise, help and the precise instructions to fill in the various documents or organise specific items we would not have had a chance to get the mortgage over the finish line. Carl was extraordinarily helpful and always found a way to continue this not so easy application. I can highly recommend Carl. Very grateful for his assistance.
Carl was fantastic to work with. Our mortgage application was not straightforward as we were multiple people, all self employed with new businesses. We had tried using other brokers but they weren't able to get our approval across the line. Carl was tenacious with the banks, and had so much knowledge he was able to guide us through all the information we required and how to present it. After a difficult process he was able to secure us a mortgage with very favourable terms. I couldn't recommend him enough, the effort and work he puts in is second to none!
Carl Mann is a fantastic mortgage broker. He is knowledgeable, professional, and has excellent communication. Carl kept us updated along the way and provided sound advice. I would definitely recommend Carl to anyone needing assistance with mortgage finance or refinancing.
Carl helped us work through the finance for our next investment property without losing sight of our existing lending. He understood what we were trying to build over the longer term and worked through the different options with us before we made an offer. That preparation made the purchase much smoother.
Development finance was very different from arranging a normal mortgage. Carl understood the feasibility, valuations, build costs and timing the lender needed to see, and helped us get everything organised before it went to credit. Having someone who understood the development side of the deal saved a lot of back and forth.
We were purchasing premises for our business and needed someone who could look at both the property and the strength of the business behind it. Carl worked through the numbers with us, explained what the lenders would focus on and helped structure the application properly from the start.
Start with a conversation.
No cost, no commitment. We work out where you stand and what is achievable, then you decide what you want to do about it.
Every conversation is confidential.
Book a conversation