Meet Luke Grbin

When it comes to securing a home loan, navigating the world of lenders, interest rates, and paperwork can feel overwhelming. Whether you're buying your first home, building a new property, or refinancing, this is where Luke Grbin comes in. Based right here in Auckland, Luke is a mortgage broker who I personally trust and recommend—because he brings clarity, expertise, and truly has your best interests at heart.

Why Choose a Mortgage Broker—Like Luke—Over Going Direct to a Bank?

1. Access to the Whole Market

Luke doesn’t just stick to one bank; he taps into a wide network of lenders. This broad view helps ensure you get the most competitive rates and flexible terms tailored to your unique situation—not just whatever the bank happens to offer. Brokers in Auckland typically access over 20 lenders, both bank and non-bank, giving you better flexibility and choice.

2. No Cost to You

Using Luke’s service won’t cost you a dollar out of pocket. Brokers are compensated by the lender once your loan settles, not by you.

3. Saves You Time & Reduces Stress

Luke handles everything—comparing loan products, liaising with banks, and pushing ahead on your behalf. You provide your information once and he manages the rest, making the process smoother and far less stressful.

4. Expert Guidance & Tailored Advice

Mortgage lenders differ significantly: some assess income and credit differently, and others offer features like offset accounts or early repayment perks. Luke uses his deep market knowledge to help you choose—and even engineer—a loan structure that aligns with your goals, savings targets, and future flexibility.

5. Support for Unique or Complex Situations

Self-employed? Building your home? Needed bridging finance? A seasoned lender like Luke knows how to present your situation in the best possible light, access flexible lenders, and navigate construction loan complexities.

6. Helpful Support & Financial Planning

Good brokers go beyond just lending. Luke can walk you through mortgage structuring, forecasting pay‑off timelines, and long‑term planning—skills that often save homeowners thousands over the life of their loan.

The Luke Grbin Difference

Here’s how Luke stands out:

• Local Expertise: Deep familiarity with Auckland’s property market means advice that’s relevant to your neighborhood—and your budget.

• Personalized Service: Luke takes the time to understand your goals, right down to details like deposit options and construction timelines.

• Full-Service Handling: From initial comparison to approval and beyond, Luke’s hands-on, communicative approach simplifies every step.

• Long-Term Partnership: Even after your loan settles, Luke remains available to review your mortgage, keep an eye on better rates, or help adjust to life changes.

Ready to Take the Next Step?

If you’re planning to buy, build, or refinance, reach out to Luke Grbin. With professional advice, access to the full market, and a no‑cost service, Luke makes the home‑loan process easier—and helps you achieve better financial outcomes.

If you are ready to talk mortgages contact Luke on

021 945606

Luke@stewartandlord.co.nz