No right or wrong answer!

You will not be shown the door for saying the wrong thing. We will find out your whole situation and then present it optimally to the Bank in a compelling proposal which gets to the point and cuts out the noise. This is what we do everyday with an overwhelmingly high rate of success. We, Phillip and Charles, work on every file together bringing our joint insights to the table.

Our point of difference

If we have a single point of strength that makes us stand out, it is our relationship with a network of assessors across Banks. They value the consistent high standard of our applications and the reliable persons that we are. They apply their expertise assessing our applications and making them work in one format or another.
Charles Spilhaus
Charles Spilhaus
Phillip Spilhaus
Phillip Spilhaus

Everything to do with bank lending

New lending, top-ups, refixes, review & restructure, refinance? We have a depth of experience in virtually every facet and what we don’t know we know where to find out.

Free mortgage services

The service is free to you when dealing with main-banks – we are paid by the banks.
There may be a fee when we deal with non-bank lenders, which will be discussed beforehand.

How long does it take?

The sooner we start, the sooner it is all done. We keep you informed on progress. We will never imply that something is already in hands of the bank [when it is not] or anything like that. We will be transparent about response of the bank and the true situation.
Excellent
Based on 108 reviews
Mike Morris
Mike Morris
02/10/2024
Highly recommend. Charles & Phillip made the whole process super easy for us. Cheers guys 🍻
Rosie Parada
Rosie Parada
01/10/2024
Outstanding Support in Our Home Buying Journey! I want to express our sincere gratitude for all the support Phillip provided us throughout the process of purchasing our apartment. From the very beginning, his expertise, patience, and dedication have been truly invaluable. His ability to explain complex details and guide us through each step with such clarity made us feel confident and informed in making important decisions. Phillip consistently gone above and beyond to ensure we were comfortable and well-advised, and that has meant a lot to us. We feel incredibly fortunate to have had him as our broker and couldn’t have asked for a better partner in this process. Phillip provided us excellent communication, always available when we needed, and when he got some inconvenient, his partner Charles was available to continue with our process. They have outstanding team work! Thank you once again for your outstanding work and for being such a reliable and knowledgeable support system. Regards, Rosa and Roberto.
Alex Osegueda
Alex Osegueda
01/10/2024
Phillip and Charles helped us with our first Home Loan and I can't recommend them enough. They were super helpful, answered all of our questions and guided us through the whole process. We are now happy home owners, thanks to their help. Will definitely get in touch with them when it's time to re-fix our loan.
Amanda Bowman
Amanda Bowman
01/10/2024
We have appreciated all of the support and help from Phillip, starting from the very first meeting right up to our last where we have become homeowners.🌊☀️ The experience has been smoother than I thought it would be, With Charles and Phillip organising alot behind the scenes making our time less stressful and allowing us to be able to get excited. We have always felt we had been kept up to date with all areas, even ones myself being a first home buyer didn't always understand. Phillip has always made me feel I was able to ask questions, and has helped guild us of the next steps. We are greatful for all the amazing work you do, not only for us!! but for all of the Wairarapa family's wanting their dream to be a reality. We are truly over the moon 💫 Thank you. Amanda and Michael
Tayla Hearn
Tayla Hearn
11/09/2024
Charles and Phillip assisted my husband and I with a refinance with a specialist bank. From the get go I was greeted with professionalism and genuineness. I was able to meet with them within a day of contacting them. Throughout the process, communication remained at a high standard. We were able to secure a great rate and an even better cashback. I would highly recommend Charles and Phillip to assist with your brokerage needs.
Anna Canencia
Anna Canencia
04/09/2024
I got recommended to Charles and Phillip by a friend. I'm a first home buyer who had zero knowledge of the housing market and they have been so patient and supportive of me throughout the whole process. I got a clear understanding of what I had to work with, next steps, and Phillip even made a call to an agent that was difficult for me to do! They really go an extra mile and have made my first shot at adulting so easy. Even though I'm from Wellington and they're all the way in Masterton, it hasn't been an issue at all. Highly recommended.
Jessica Gwynne-Davies
Jessica Gwynne-Davies
03/09/2024
My husband and I had such a fantastic experience working with Phillip Spilhaus to buy our first home. Even though we didn't have a huge deposit or huge incomes, Phillip kept things so positive and was willing to help us problem solve. He is also very transparent, was so easy to get in contact with, and worked really hard on our behalf to help us get the place of our dreams! Highly recommend to other first home buyers if you want to chat with someone patient and kind and who will talk you through every step of the process!
Robyn Paulo-Wilson
Robyn Paulo-Wilson
30/08/2024
Phillip has truly been a godsend to us. We reached out to him after several failed attempts with other brokers. We were on the verge of giving up, but a bit of research on good ol' Google convinced us to give MBW a shot. The reviews were spot on. Phillip has been fantastic to work with, his guidance from the day we met to now has been very encouraging. From the moment we met him, he exuded warmth, instilled a level of confidence in us and made us feel right at home. He's a genuine guy, clearly well-versed in his field, friendly, transparent and made the whole process stress-free. It wasn't all business, we've shared more laughs than serious conversations. Although Charles was not physically present in our meetings, he has supported us through his advice with our pre-approval application, which has been very invaluable and comforting. They both genuinely care about their clients, and we're incredibly thankful for all their efforts, our experience has only been a very positive one. We highly recommend MBW. Thank you for getting us pre-approved. Phil, you're the best! Robyn & Leuma.
foot8sativa
foot8sativa
29/08/2024
If you are looking for a Mortgage Broker or financial advice, we highly recommend Charles & Phillip, who are a father and son team. They were super helpful and professional, but also shared a good laugh with us in a stressful time of purchasing a second home. They were prompt in their correspondence and nothing ever seemed to be a problem when we rang with questions or clarification. They are both very genuine individuals and we very much appreciated their clear communication and honesty. We will be sure to work with again in the future. Thanks so much guys!!! Cheers, Michael Pearse & Emma Jane.
Natasha Lehmstedt
Natasha Lehmstedt
28/08/2024
My partner and I have worked with Charles prior when purchasing our land as first time buyers. This year we didn't think twice about going back to Charles to try get our mortgage for the build of our house. Charles recommended the best approach for us was to do a Turn Key build rather than the traditional Stage Payment build. We were accepted for the Turn Key build and having this option helped us reach our goal of building our first home. Charles & Phillip are both knowledgeable and honest people to work with, they make a daunting process feel achievable and stress free. We highly recommend their business to those looking at taking that step into the market.
Charles has had 45+ years in banking, mortgage broking and small business advising – and he has loved every day of it. Phillip has developed the same love and insight in a shorter time since his career-change in 2021. With most people it is impossible to think like a bank unless you have worked in bank…but Phillip has picked that up with no problems.

Call us today for a discussion. It does not matter whether you are ready to start the process or just needing a preliminary fireside chat.