“Paul recently helped us secure lending to purchase a holiday home. Having always dealt direct with the bank, we quickly realised what a good decision it was to engage Paul! Paul made the whole process so simple, easy and stress free. He was also contactable, communicated clearly and quickly and was professional is every aspect. We will definitely engage Paul again in the future and will recommend him to everyone. Thanks Paul for all your help.”


“I would highly recommend Paul as a mortgage broker. My real estate agent put me in contact with Paul. Knowing that we had never bought a house before, and was I was nervous, we required the best help and advice to navigate the process and feel confident. Buying a house is such a big step. There is a lot of steps and process, we found Paul’s experience and guidance just made everything easier. Paul is extremely helpful, efficient, experienced, and knowledgeable. Paul provided an insight into the economy and how this was determining the interest rates in both the short and long term. Anyone seeking a mortgage broker I will be recommending Paul.”


“We were recommended to use Paul and we are so glad we took that recommendation! He has been amazing through our very long process of getting our loan to renovate our existing home. His patience, professionalism, advice and support has made this journey so much easier for us and can't thank him enough. He is easy to work with, always there to answer questions and nothing is ever a problem. We would recommend Paul to anyone that is wanting the best result that is available out there. Thanks for everything Paul.”

Steve and Tania

“We just went unconditional on our first home yesterday and are so pleased we chose Paul as our mortgage broker. He walked us through the whole process, answered all our questions and made the process of getting a mortgage so much smoother and easier than we expected! He is super helpful, communicates well, is highly responsive and easily contactable. We took a little while to decide on a house we were keen on and didn’t feel any pressure from him to jump into the housing market when we weren’t quite sure or ready. Thanks Paul for all your help and support!”

Ben and Tui

“Paul's knowledge and skill is second to none. He comes from a banking background and understands what the banks are wanting so he is the perfect liaison between the customer and the banks. He also went beyond the call of duty and keep working hard on reapplications (3!) to the bank when the covid world slowed the start of the build down. If you need an A1 Mortgage Adviser that you can have faith, trust and confidence then Paul is your man.”

Paul Garland

“This is the second time we have used Paul from HBMI. Paul helped us buy our first home and then 12 months later he helped us upgrade into a second house. He has made both times so easy by doing all the hard work for us and finding us the best option that suits our needs. Paul has been absolutely brilliant to deal with and we both highly recommend him and his firm to anyone who is looking for a honest adviser.”

Annelise & Adam Lawson

“Paul has not only been a great mortgage adviser for us, but also a great mentor. From having no experience in the property market or dealing with a mortgage, Paul made the process for us so seamless and stress free. We have learnt a lot along the way. Paul has been nothing but professional, approachable and also really relatable, which made everything less scary for us as first home buyers. We had been recommended to use Paul, and we will carry that process on by recommending him to many others.”


“We have been working with Paul for almost two years and he has been far more patient than we have with us missing out on about 10 properties then huge delays on title. We were able to borrow more through Paul than our original approval going directly through the same bank, so thanks to Paul we able to have access to heaps more opportunities. Thanks for all your help!”

Mitchell and Hayley

“We have recently dealt with Paul who we had found to be very helpful, professional and reliable. After having a not-so-good experience with another business, Paul was able to set our minds at ease and make the process so easy. We would highly recommend Paul and would definitely go back to him if needed in the future.”

Tracey & Brendan Price

“Paul was a massive support in purchasing our first home and investment property in New Zealand. The correspondence we had to do from our residence in Sydney, was never a problem for Paul, and he helped make all the arrangements as seamless as possible. He often worked around our limited overlapping schedules and responded quickly and effectively. Whilst living overseas came with its complications, we loved how Paul went the extra mile and gave us sound recommendations, all the while examining all the possibilities required to make the purchase possible. We would highly recommend Paul to anyone purchasing a property. His experience, knowledge, timeliness, and calm demeanour attributed to a great experience as well as a great interest rate. Thanks Paul, we appreciate all the time and effort that went into organising our purchase!”

Zoe Brown & Sam Brown

“I would like to express my thanks for the work Paul has done for myself and my small business over the past few months. The professionalism and attention to detail with regards to my financial affairs has set me up for a greater future, and Paul's continual advice on financial planning will save me significant amounts of money. Paul is always contactable, courteous and helpful, and I don't hesitate to recommend him to anyone looking to move forward.”

Todd Chote | Manager | McHardy Freight

“Just a quick note to say thank you so much for the work you have done to get us the finance we required to get into our new house, which Vanessa and myself both love. When we were first referred to you through our real estate agent, I did think to myself 'ok, just another broker', but upon meeting you and working through our finances with you I realised, 'man, this guy is more than just a broker, really knows his stuff and is a bloody nice guy to boot'!"”

Andrew McNamara | Manager | Grant White Autobody

“We approached Paul to re-structure and tidy up our accounts. Paul had been our business bank manager while employed by the ANZ Bank and had looked after us very well. We felt confident letting Paul sort our investments, loans, mortgages and day-to-day banking during the purchase of our business, land purchases, as well as home mortgages and sales of properties. Paul is very knowledgeable, thorough and works hard to get the very best for his clients.”

Anthony Cacace | Director | Construct It Hawke's Bay Ltd

“I recently worked with Paul Michaelsen for a mortgage loan for home improvements. He was recommended to me by good friends when he helped them with the purchase of their new home. Right from the first phone call Paul displayed exemplary professionalism in handling my loan. He was brilliant at explaining the process along the way and explaining bank terminology in a way that I could understand.”

Tim Beaver | Home Owner