Let’s get your mortgage or new home sorted.
Northland Mortgage & Property Experts
Buying your first home, growing a property portfolio, or taking on a complex development, we are in it with you from start to finish. We bring deep property knowledge, sharp negotiation skills, and the kind of hands-on guidance that turns a daunting process into a clear, confident path forward.
Why Choose Cody Subritzky
Whatever the property goal,
we have a path forward.
We work across the full spectrum of property lending in Northland and beyond. Straightforward situations are handled with speed and care. Complex ones are where we do our best work.
First Home Buyers
Property Investors
Construction and Renovations
Non-Bank and Low Doc
Commercial Property
How we work
So we built a process around one goal: Making sure you always know where you stand, what’s happening next, and that everything is being taken care of.
01. Start with a real conversation
We take the time to understand your property goals, your financial situation, and what success looks like for you. Not just now, but long term. This shapes everything that follows.
02. Build your property finance plan
We map out your borrowing capacity, lending options, and the structure that sets you up correctly from day one. We factor in tax, legal, insurance, and future goals, not just the immediate transaction.
03. Prepare and submit your application
We handle every detail, documents, lender selection and application preparation, and submit with the right positioning. Our AI-assisted process means faster turnaround and nothing missed.
04. Negotiate, protect, and manage the deal
We help you navigate building and LIM reports, negotiate price where possible, coordinate with lawyers and accountants, and manage lender conditions through to settlement.
05. Settlement and beyond
Once approved, we coordinate a smooth settlement and stay available as your property journey continues. Many of our clients come back as their goals grow. That is exactly what we are here for.
Over 20 Years Experience
Why
Choose Us
Three reasons our clients come back and refer their friends.
Don’t just take our word for it. We are proud of our 5 star Google rating across 25 plus reviews. See what our clients say.
01. We find a way when the path isn’t obvious.
Self-employed buyers, complex family structures, development finance, non-bank lending. These are the situations we are built for. We have structured deals that others walked away from. If there is a path, we will find it.
02. We go well beyond the loan.
We help you make sense of the numbers, cut through the jargon, and understand how every part of the property journey connects back to your lending and your future goals. You will never be left guessing what something means or what impact it has.
03. Speed, accuracy and a real person in your corner.
We use AI-assisted technology to move faster and more accurately. But behind every application is Cody, a strategist with 15 years of financial services experience and a genuine commitment to getting you the best possible outcome.
Our Partners
We are completely independent, which means every lender recommendation we make is based entirely on what is right for you. No ties, no targets, no favourites.
But we also believe the best outcomes come from strong relationships. We have worked hard to build genuine trust with the lenders and providers across our panel. That means when your application lands on their desk it is well-prepared, well-presented, and comes from a broker they know and respect. In practice that translates to faster turnaround, more flexibility on complex situations, and a level of goodwill that only comes from years of doing things the right way.
Our ambition is to be the broker our partners are genuinely excited to hear from. We think that says everything about how we work.
Ending and Mortgage Providers
Faq's
Common Questions
First time using a mortgage broker?
Here is what most people ask.
Can’t find what your looking for – Let’s Chat.
What does a mortgage broker actually do?
We help you buy better and borrow smarter. Our focus is on strategy, structure, and negotiation so you get the right property at the right price, with lending that sets you up for your next move, not just this one. We work with multiple lenders, manage the entire application process, and stay involved through to settlement and beyond.
Do we pay you for your service?
In most cases, no. We are paid a commission by the lender when your loan settles. If a fee ever applies, for example in very complex or specialist lending situations, we will discuss it with you upfront so there are no surprises.
How much deposit do we need?
Most home purchases require a 20% deposit, but there are options for as little as 10%. We will help you explore low-deposit lending, KiwiSaver withdrawals, First Home Grants, and gifted deposits so you can get into the market sooner. For investment properties, most lenders require 30%, but there are situations where 20% is possible. We will guide you through what applies to your situation.
Can you help us even if our situation is complicated?
Absolutely. Complex situations are where we do our best work. We regularly help self-employed buyers, people with non-standard income, clients who have been declined elsewhere, investors building portfolios, and those taking on development or construction finance. If you are not sure whether we can help, the best thing to do is have a conversation. We will give you an honest answer straight away.
What is the difference between pre-approval and unconditional approval?
Pre-approval means the lender has reviewed your situation and approved you up to a certain amount, subject to conditions like a valuation or signed sale agreement. Unconditional approval means those conditions are satisfied and the funds are ready to go. We manage this entire process and keep you informed at every step so you always know exactly where things are at.
How long does the process take?
From first conversation to approval typically takes around three to four weeks, factoring in time to gather your information, prepare the application, and for the lender to complete their assessment. Lender turnaround times vary, usually two to five working days. We receive weekly updates from lenders and keep you informed every week so you are never left wondering.
Do you shop around to get us the best rate?
Before a single application goes anywhere, we workshop your deal. We look at your situation, your goals, and the specifics of your lending, identify which lender is the best fit, and follow the path of least resistance to get you approved on the best terms available to you.
Sending applications to every lender at once actually works against you. Banks track broker completion rates closely, and a broker who fires off applications carelessly quickly loses the attention and service levels that get deals across the line. Multiple applications also leave a trail of credit enquiries that can hurt your position.
Being selective also protects your options. If we run into an unexpected issue with one lender, we still have room to move. Fire the application everywhere at once and everyone sees the same problem at the same time. That is when you run out of road quickly.
Our job is to get you to yes, on the right terms, with the right lender for your situation.
Cody & Melika
Our Story
We are a small, intentionally lean team and that is a deliberate choice. Every client works directly with Cody and Melika. There are no handoffs, no junior staff, and no one else in the chain. We leverage AI and the latest technology to deliver the speed and accuracy of a much larger operation, while keeping the personal attention and care that only a small, dedicated team can provide. We are detail-oriented, systems-driven, and known for communication that is prompt, proactive, and always one step ahead.
Real problems. Real outcomes.
No two deals the same.
Every case study is drawn from the patterns we see across our client base, the situations that come up again and again, and the outcomes we consistently deliver. No personal details. Just honest accounts of the challenges, the approach, and the results.
Let's Chat
Ready to chat about your new build or finances?
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