Mortgage Broker Or Bank

That Home Loan Hub · Jul 15, 2026 · 9m · transcript

The day before an auction, a young mum rings in tears: her bank has just refused her finance. She thought she had done everything right, she had been dealing with her lender directly, and she was sure approval was coming. That one “no” could have meant losing the home and starting again from scratch, but it also revealed something most buyers only learn the hard way: pre-approval is not the finish line, and the property itself can be the deal breaker.

We sit down with George Love from Harcourts to unpack a true “war story” that shows the real value of using a mortgage adviser in New Zealand…