Cameron Marcroft | Director & Senior Mortgage Adviser

Mortgage advicethat gets it.

From first homes and refinancing to investment and construction lending, Cameron helps you understand your options, compare lenders and keep the application moving without unnecessary back-and-forth.

Estimate repayments
Initial conversations are obligation-free.
Cameron Marcroft, Director and Senior Mortgage Adviser at Loan Market Central
NZ #1 AdviserNZ Adviser Top Adviser, 2021 & 2022
25+ yearsin the mortgage industry
30+ lendersacross the Loan Market panel
FSPR 476746Financial Adviser

Who Cameron helps

Different property goals. A clear lending plan for each.

Whether you are buying, reviewing or building, the starting point is your situation — not a one-size-fits-all answer.

First & next-home buyers

Know your borrowing position and get finance ready before you need it.

  • Borrowing power and pre-approval
  • Loan options across a broad lender panel
  • Application and settlement support
Click to see the story ↗

Typical situation

Ready to make an offer with confidence

A buyer wants to know what they can afford before committing to a property. Cameron works through the numbers, researches suitable lenders and helps prepare the application so the buyer can move with a clearer plan.

Illustrative example, not a testimonial from a specific client.Click to go back ↩
Long-term support

Homeowners reviewing a loan

Refix, refinance or restructure when your rate, goals or life circumstances change.

  • Refix and loan reviews
  • Refinancing options
  • Loan structure conversations
Click to see the story ↗

Typical situation

Your loan should keep working after settlement

A fixed rate is expiring and the homeowner is unsure whether to stay, refix or move lenders. Cameron reviews the current position and available options before the next decision is made.

Illustrative example, not a testimonial from a specific client.Click to go back ↩

Property investors & builders

Finance for an investment property or construction project needs the right structure and lender fit.

  • Investment property lending
  • Construction loans
  • Planning for lender requirements
Click to see the story ↗

Typical situation

Finance that matches the project

An investor or builder needs lending that suits the property, timeline and wider borrowing position. Cameron compares suitable options and helps navigate the approval process and lender requirements.

Illustrative example, not a testimonial from a specific client.Click to go back ↩

Mortgage advice

Advice built around what you are trying to achieve.

Cameron can provide advice on home loans, investment loans and construction loans, and can assist with maintaining and refixing existing lending.

Home loansBuying your first home, moving home or arranging your next mortgage.

Work through borrowing capacity, pre-approval, lender options and the application process. Cameron helps package the application and stays involved through to settlement.

Investment property loansLending options for purchasing or growing a property portfolio.

Review the lending position, compare suitable lenders and structure the application around your investment goal and circumstances.

Construction loansFinance that follows the build from approval through staged drawdowns.

Construction lending has different documentation, valuation and drawdown requirements. Cameron can help select a suitable lender and guide the application through those stages.

Refixing & loan reviewsReview an existing mortgage before the next fixed-rate decision.

Cameron may assist with maintaining your loan, including refixing. A review can consider your current lender, structure and whether another lending option is worth exploring.

Lender research & negotiationCompare a broad panel instead of being limited to one bank.

Loan Market advisers can access a broad panel of bank and non-bank lenders. Cameron researches suitable solutions and handles the lender conversations and paperwork with you.

Specialist referrals when neededConnections to other services without pretending one adviser does everything.

Through referral partners Cameron can help connect you with specialists in areas such as insurance, KiwiSaver and other services. He does not provide advice on those referral-partner products unless specifically authorised to do so.

Why work with an adviser

Clear advice, lender research and help with the paperwork.

Cameron researches suitable lenders, explains the options and helps keep the application on track through settlement and beyond.

01

More lender choice

Research across a broad lender panel rather than the products of one bank.

02

Advice in your interests

The recommendation is based on your needs, goals and circumstances.

03

Paperwork managed

Help gathering information, packaging the application and liaising with the lender.

04

Long-term loan support

Refix and review conversations as the market and your circumstances change.

The process

From the first chat to settlement — and beyond.

A structured process keeps the important decisions clear and the admin moving.

  1. 01

    First chat

    Talk through what you are trying to achieve, your goals and whether Cameron can help.

  2. 02

    Understand your situation

    Gather the relevant family, income, asset, liability and financial information.

  3. 03

    Research & recommend

    Research suitable lender options and explain the recommendation and why it fits.

  4. 04

    Lodge the application

    Work with you and the lender, handle the legwork and progress the application.

  5. 05

    Approval & settlement

    Confirm the details, help keep the settlement process on track and make sure everyone knows the next step.

  6. 06

    Stay in touch

    Review changes over time and revisit the loan when your rate, circumstances or goals change.

Quick mortgage calculator

Estimate the monthly repayment.

A useful first number before a lending conversation. The actual rate, term and approval depend on your circumstances and lender criteria.

Mortgage repayment estimate

What could the monthly repayment be?

Set the loan amount, repayment term and interest rate.

$50,000$3,000,000
1 year30 years
0 %12 % p.a.
Estimated monthly repayment$3,975
Total amount repaid$1,431,000
Estimated interest$731,000

i Illustration only. It does not include fees, changing rates, offset/revolving-credit effects or lender-specific repayment rules and is not financial advice.

Cameron Marcroft
Cameron's approachTalking to someone who gets it really makes a difference.

About Cameron

Straightforward advice backed by years of mortgage experience.

Cameron has worked in the mortgage industry since around the turn of the century and has built Loan Market Central into a respected Auckland mortgage business. He was ranked New Zealand's number one mortgage adviser by NZ Adviser in both 2021 and 2022.

His focus is long-term: not just getting a loan approved, but helping clients keep their lending working for them over the life of the loan. Outside mortgages, Cameron enjoys time with his wife and three kids, friends and following the All Blacks, Warriors and Black Caps.

Client-first adviceRecommendations should fit your needs, not a lender sales target.
Plain languageThe lending process is easier when the options are clearly explained.
ResearchCompare suitable options across a broad lender panel.
Long-term serviceThe relationship continues beyond settlement.
More about Cameron

FAQ

Common questions before the first conversation.

For full information about scope, fees, commissions and complaints, read Cameron's Disclosure Guide dated 20 April 2026.

View disclosureAsk Cameron
What financial products can Cameron advise on?

Cameron's Disclosure Guide states that he can give advice on home loans, investment loans and construction loans. He may also help maintain an existing loan, including refixing.

Will I be charged a fee for mortgage advice?

Generally, clients are not charged a fee because the lender usually pays commission when a loan settles. There are exceptions, including certain no-commission situations, clawback circumstances and some lender or non-disclosure fees. Any applicable fee should be disclosed and discussed with you.

How many lenders can Loan Market compare?

Loan Market currently promotes access to more than 30 banks and lenders. Cameron's own Disclosure Guide lists the lender panel available to him.

Can Cameron help with insurance or KiwiSaver?

He can connect clients with referral partners for other services, but his Disclosure Guide says he does not provide advice on the products those referral partners offer unless separately authorised.

Can I meet online or in person?

Yes. The first conversation can start by phone or email, and Cameron's office is at 381 Remuera Road, Remuera, Auckland.

Award-winning experience

NZ Adviser's #1 Mortgage Adviser in 2021 and 2022.

Cameron's focus is still the same: understand the client, find the right lending path and stay involved for the long haul.
Meet Cameron

Start a conversation

Tell Cameron what you are trying to do.

A few lines are enough. Do not send bank login details, identity documents or other sensitive financial information through this form.

01
What would you like help with?Briefly describe your property or lending goal.

Please do not include bank login details, identity documents, account numbers or other sensitive information.

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