Mortgage + investment solutions shaped around you

Clay is a boutique mortgage and insurance advisory business founded by Tauranga-lover Melanie Dingle, crafting mortgage and financial solutions that fit you and your needs.

We are here for the house buying first-timers (we know, it's daunting), the down-sizers, the bank dislikers, the house out-growers, the Bay of Plenty lovers. In fact, whoever and whatever your situation, we help get you where you want to go: minus the jargon.

Looking for a mortgage or insurance advisor in the Bay of Plenty?

Hi, I’m Mel, the Tauranga born-and-bred founder of Clay.

I have years of experience in the banking industry, have held numerous senior roles in Auckland and locally and I get the banking industry, inside and out.

Whatever your plans or goals, I can mould a solution to work for you - because while I understand the industry, understanding my clients with care and compassion is my real superpower.

First home, second home, downsizing or insurance planning, I can help with all that and more.

Let’s talk.

Mortgages for today

Services

Mortgages

Upgrading, downsizing, first-timer, refinancing, or refixing. There is a mortgage for any situation. Here at Clay, we have got you covered. Whatever your situation is, no matter where you live, we help get you where you want to go. Minus the jargon.

We know how to mould your home loan to work best for you, no matter your plans or goals.

Investments

Are you considering buying an investment property or buying that additional slice of idyllic Kiwiana to call your Bach?

At Clay, we can help craft a tailored solution to suit your personal investment needs.

Insurance

We know insurance lingo can be confusing, but if you need insurance planning, we’ve got you. Buying a property is a big purchase, possibly the biggest purchase you will ever make, so it’s important you are covered right from the get-go.

At Clay Mortgages and Insurance, you can access an extensive range of insurance solutions, regardless of your situation.

Testimonials

  • Mel was super helpful in our journey to buy our family home in Mount Maunganui. Her knowledge and industry connections were valuable in securing a home loan structure, interest rates and insurance policies that we were really pleased with. Mel was easy to work with, and took the stress away! She will be our first port of call for any of our financial needs moving forward.

    Brendon and Georgia

  • Melanie is nothing short of a rock star! Thanks to Melanie we are now in our first home. Her communication and advice was second to none and we will be recommending her services to everyone. Thank you Melanie!

    Jody and Anthony

  • Can not recommend Melanie highly enough. My wife and I were recommended Melanie's services through a friend. Melanie's sound knowledge and expertise were impeccable and she was always available to chat, late at night and throughout the weekend. We are absolutely thrilled with our new home and are very grateful for all your help and guidance.

    Graham and Deanne

  • Mel was amazing helping myself and my children into our home. She has been so awesome to work with and helped with everything along the way! All the questions I had, she was right there and able to answer and help when things cropped up. Would highly recommend Mel as your mortgage advisor for anyone wanting to purchase a new home!

    Rachel

Mortgage Calculator

Here’s where we kick things off!

Our mortgage calculator is pretty simple to use, but you might see some big, scary numbers come up!

Don’t worry - while running initial calculations is a good place to start, we’d recommend getting in touch so we can go through everything and make those numbers feel a little bit less daunting. Let’s see what we can achieve and how we can do it, together!

Calculator Disclaimer The results from this calculator should be used as an indication only.
Results do not represent either quotes or pre-qualifications for the product.
Individual institutions apply different formulas. Information such as interest rates quoted
and default figures used in the assumptions are subject to change.

Lending Partners

Solutions for the working parents,
the downsizers, the nervous first-timers,
the BS smellers, the bank dislikers,
the don’t know where to starters, the house-out-growers, the Bay of Plenty lovers.