For over 20 years, we’ve been helping Kiwis step into their first home, grow their property portfolios, and secure smarter lending – all with straight-talking advice and zero jargon.
Based in Cambridge and proudly serving the Waikato, Bay of Plenty, and clients right across New Zealand, Caldwell Mortgage Advice is a locally owned mortgage finance company built on clear advice, honest service, and long-term relationships.
Getting a home loan doesn’t have to be complicated. We make the process simple by explaining everything in plain language and guiding you every step of the way — from your very first question right through to settlement day, and beyond.
Because we work with more than 15 banks and lending institutions, we’re not tied to any one lender. That means we can compare a wide range of interest rates, products, and structures to find the option that genuinely suits you – not the one that pays the highest commission.
And best of all? Our service is free.
Buying your first home is exciting - and sometimes overwhelming. We'll walk you through every step, from pre-approval to settlement.
Building your dream home? We can help you navigate construction loans and staged drawdowns with confidence.
Already have a mortgage? We'll review your current lending and see if there's a better deal waiting for you.
We’ve built our reputation on doing things properly – taking the time to understand what you need and making sure you feel informed and supported from the first conversation through to settlement and beyond.
No jargon. No sales pitch. Just straightforward guidance that helps you understand your options and make confident decisions.
Every client is different. We take the time to understand your circumstances and structure a lending solution that's right for you - not the bank.
We're in it for the long haul. Many of our clients have been with us through multiple homes, renovations, and investment properties - and we wouldn't have it any other way.
In 2003, after seven years arranging home loans for New Zealand’s largest bank, Phil decided to do things differently. He wanted to offer clients personalised, expert advice and a genuinely higher standard of service – and so Caldwell Mortgage Advice was born.
More than two decades on, the business has grown into one of the most respected mortgage finance firms in the Waikato/Bay of Plenty region. Phil has overseen more than $1.2 billion in home loan settlements, helping over 5,000 clients achieve their property goals.
What sets Phil apart isn’t just his experience – it’s his approach. He’s widely known for being straight-talking and no-nonsense, with a real belief in clear communication, practical advice, and delivering results. Those values continue to shape the culture of the entire team today.
And while the business may have gone through a few name changes over the years, the philosophy at its heart has never wavered: helping everyday New Zealanders achieve property ownership and build long-term financial security.
#1 in Waikato BOP
2017 – 2026
Top 10 in NZ, Home Loan Settlements
2018 – 2026
Winner 2005
(Finalist, 2005–2026)
GET IN TOUCH
Book a free no-obligation consultation. We’ll review your situation and present your best options – all at zero cost to you.
Free consultation. No obligation. Response within 24-48 hours
