Strategic mortgage advice for Auckland home buyers, homeowners, investors and professionals. We compare suitable lenders, structure lending around your goals and manage the process from strategy through to settlement.
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Top Adviser 2026
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More than a loan. A clear strategy, better options and ongoing support — so you can move forward with confidence.
We assess your circumstances across suitable lenders to identify options that fit.
Rate, cashback, fees, features and structure are considered together.
Clear communication and regular updates keep your application moving.
Cash flow, flexibility and future plans shape the lending strategy.
Whether you are buying, investing, refinancing or building, the right lending structure can influence far more than the interest rate. We help you understand the options and put the right strategy behind your next move.
Lending structured around your portfolio, equity position and future borrowing goals.
Review your existing lending, rate structure and repayment strategy as your needs change.
Understand construction lending, progress payments and finance options before you commit.
Protect what matters with appropriate personal insurance advice alongside your lending strategy.
Explore repayment and affordability scenarios before deciding your next step.
“Clayton provided personalised mortgage advice, explained different home loan options, and helped find a lending solution that suited my financial goals. What stood out was his focus on mortgage structure, not just interest rates. Excellent service for anyone buying their first home, refinancing, exploring property investment, or even business loans.”
Rick Rossiter – Concorde PB
Getting finance approved is only one part of the job. The way your lending is structured can affect repayments, flexibility, cash flow, future borrowing and how easily your mortgage adapts as your circumstances change.
MortgageDesign looks beyond the immediate transaction. We consider the lender, product and structure together so the recommendation fits what you are trying to achieve now and where you want to go next.
Compare suitable options across the lender panel, rather than relying on one lender.
Understand what is recommended, why it fits and what happens next.
Consider cash flow, flexibility, repayment approach and future borrowing.
Review lending as rates, goals and circumstances change.
Access is limited to that lender’s own products, policies and credit criteria.
Fixed 3yr
Your options are shaped by one lender’s products, policy and lending criteria.
We assess suitable lenders and structures before recommending an approach that fits your circumstances.
Fixed Terms Floating Revolving Credit Repayment Strategy
A combination can be designed around your cash flow, priorities and need for flexibility.
MortgageDesign works with New Zealanders whose needs range from straightforward home purchases to more sophisticated property and financial structures.
Understand borrowing capacity, deposit requirements and the path from preparation to settlement.
Understand your potential borrowing range
Deposit, KiwiSaver and equity options
Pre-approval through to unconditional
Get strategic advice when moving home, refinancing or reviewing your current mortgage.
Moving home and reviewing borrowing capacity
Refinancing or restructuring existing lending
Refixing and repayment options as circumstances change
Consider equity, cash flow, lender choice and future borrowing as part of the wider portfolio.
Equity position and borrowing capacity
Cash flow and lending structure across the portfolio
Lender choice and planning for future purchases
For business income, partnerships, trusts, multiple properties or less-standard lending situations.
Business, partnership or non-standard income
Trusts, multiple properties and more complex structures
Lending designed with future property and financial goals in mind
Five steps from understanding your brief to reviewing the strategy as life changes.
Understand
We start with your goals, financial position and what you want the lending to achieve.
Design
We shape the lending strategy around your circumstances and priorities.
Compare
We assess suitable lenders, structures and options before making a clear recommendation.
Execute
We manage the application and keep you informed through to settlement.
Review
As circumstances change, we can review the lending strategy and identify the next step.
MortgageDesign is an Auckland-based mortgage advisory business focused on clear recommendations, thoughtful lending structures and long-term client relationships.
Led by Clayton D’Lima, Founder and Mortgage Adviser, the team helps clients make sense of lender policy, assess suitable options and structure finance around what they are ultimately trying to achieve. Mortgage Adviser J.J. van der Westhuizen is also part of the MortgageDesign advisory team.
FOUNDER & MORTGAGE ADVISER
Tell us where you are now and what you want to achieve. We will help you understand the lending options and determine the most suitable next step.
A focused first conversation about your goals, current position and what you want the lending to achieve.
No obligation initial consultation
Auckland-based, advising clients across New Zealand
A dedicated adviser guiding you from strategy through to settlement
