Your trusted
partner in mortgages

Flexible, approachable, and working hard on your behalf. Every step of the way.

Professional mortgage advice, where you are.
Come to our office, or Toby can come to you.

Based in Palmerston North, but able to take care of clients throughout New Zealand. 

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Toby Ferreira meeting with a client talking about mortgages

Your mortgage is in safe hands

With a combined 50 years of mortgage expertise, we pride ourselves on delivering professional yet approachable service that puts you at ease.

We are accommodating and flexible. Toby is ready to meet when it suits you, whether that’s during your lunch break or after the kids are tucked in.

Trust is at the heart of everything we do, and we’re committed to providing high-quality, reliable guidance to help you navigate your mortgage journey with confidence.

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Mortgage lending solutions

First Home Buyers

Toby Ferreira Mortgages simplifies first-time home buying with expert guidance and loan assistance.

Home Lending

We provide tailored lending solutions for various property needs, using expert knowledge to secure optimal loans and ensure a smooth process.

Refixing

We can help you save money on mortgage refixing by providing expert advice, negotiating favourable terms, and simplifying the process.

Construction Lending

While lending for new homes and renovations can be complicated – with our extensive experience we can help you navigate through this process with ease

Investment Property Lending

Whether it’s a first investment property or you’re adding to an extensive portfolio we can help structure your mortgage for long-term success. 

Our Partners

We have access to a wide range of lenders enabling us to find the right solution for you.

Legal Matters

While we expertly guide you through the mortgage process, it’s crucial to understand that we are not legal advisors.

We strongly recommend seeking independent legal counsel to review all loan documents and understand your rights and obligations before committing to any mortgage agreement.

This ensures full clarity and protection throughout your property journey.

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Reviews

Toby Ferreira was my mortgage broker for my recent purchase. I highly recommend Toby, from our first phone call to sealing the deal, Toby was steadfast in making it all happen as smoothly as possible...
– Malana de Lautour
Toby was fantastic to work with and I’ll definitely be back. Professional, responsive, and he took time to understand my needs and plans. 100% recommended.
– Hamish Harding
As first home buyers we have been lucky enough to have the help of Toby Ferreira. He has gone above and beyond helping us navigate our purchase and answering all our questions, even if they were a little left field. Can highly recommend Toby as a mortgage advisor.
– Ellie Tilson