We find great deals for you

Allan and Jessica Luck are a husband and wife team, who each have over 17 years’ experience in finance having worked for many years in various leading roles at banks in Auckland, Canterbury and Nelson Canterbury and Nelson, before becoming independent Mortgage Adviser’s in 2012 They understand the process from all angles and strive to find a solution for every client.

Looking to invest?

If you have never purchased an investment property, or you are a professional landlord looking to purchase your 22nd, we can help you all.

First home buyer

We know that buying your first home can be daunting, we are here to make the approval process easier for you.


Life throws up many events for us to deal with and not all of them are pleasant. We can help you ensure you have your bases covered.


Refinancing? Moving to a new fixed rate? Selling and Buying? Or starting a family? Let’s match the right mortgage to you.

Meet our team

They have built strong relationships with all major banks and have accreditation with banks that are not available to all mortgage Advisers. They are passionate about helping first home buyers get a foot in the door, right through to assisting clients build and extend their investment portfolios. They believe that getting the right solution for each individual takes experience and an in depth understanding of how each bank works.

What our clients have to say

  • Our business relation with Jessica Luck started in June 2015, After months of unsuccessful mortgage approvals she assessed our financial situation at that time and gave us advice on how to prepare us to get a mortgage. On the 3 rd of July 2015, we received the pre-approval letter from ASB bank and purchased our first house.

    After a year we re-mortgage our house with New Zealand Home Loan with the hope that this lender helps us in obtaining another mortgage. Unfortunately, we were told that it is impossible to keep the existing house and purchase an additional one. The lender was adamant that there is no way as to sell that house and after that buy a new one.

    Again, we have sent our enquiry to Jessica Luck at the end of 2018. She helped us to get a new mortgage from TSB Bank and managed to keep our existing house. Bank loan us against equity generated by house purchased in 2015. This year construction of the new Turn Key Property has started.

    We cannot fault her, professionalism, financial knowledge and communication skills. Anyone trying to obtain a mortgage thru Jessica Luck will be completely satisfied. We hope to grow our portfolio with Jessica’s help.

    Peter & Angie

  • Allan, we cannot thank you enough for the amazing help, support and advice you have given us in making our dream come true!

    It has been an absolute pleasure working with you, your paitence, guidance and knowledge has made the purchase of our new home seamless and stressless.

    Thank you for always taking the time to answer all of our questions and throughly explaining anything we did not understand. you made us feel at ease during this whole process and we are very grateful for your services.

    Roshni and Nilesh

  • As a family we have used Allan Luck for two house puchases in the last 12 months. We have been extremely pleased with the services he has provided. His knowledge of the financial system with mortgages has for us been invaluable, as it has enabled us to purchase our home!

    We found Allan approachable, enthusiastic and above all easy to deal with. He is a true professional with a personal approach.

    We would not hesitate to use his services again or recommend them to others.
    Thank you Allan.

    Denise, Josh & Sarah

  • I recently purchased a home using Allan as he was recommended to me by a work colleague who had previous dealings with him and thoroughly recommended him.

    My partner and I have had such a good experience with Allan we have no hesitation in recommending him to others. Allan was more than approachable, he kept in touch with us constantly during the five months it took for us to sell our home and nothing was ever a problem. Allan got us the best deal with the Bank and explained the whole process in a way we would understand. He was always available by email or by phone and put our minds at ease.

    Thank you Allan for all your hard work!!

    Steven & Peter

  • In early December 2018 we decided to buy a house in the all-known-difficult Auckland market. House prices and availability were unknown to us as we had never really thought about buying a house until then. We decided to do so mainly driven by the fact that we were tired of renting, but we had always been weary of it due to so many people telling us about the ordeal of getting a mortgage approved and/or the endless paperwork we would have had to put together. Enter Jessica.

    Jessica was AMAZING from the get go, she helped us not only navigate all of the hurdles that make up buying house but also the very real stress that comes attached to it.

    We found ourselves cruising through paperwork, questions and approvals without even leaving our kitchen table and that was invaluable for us, the reassurance that things were tracking along even when so many uncertainties were presented to us.

    Jessica also allowed us to find great rates with low deposit, together with other benefits I am sure she’ll be thrilled to tell you about. It has been -exactly- three months since we put the initial offer in the house (and a month and a half since we moved in) and couldn’t be happier with both decisions of buying a house, but also having Jessica holding our hands along the way.

    Thank you SO SO SO much for all your hard work, help and calming phone calls to us; you are a legend.


  • The lovely Jessica from Luck Mortgages comes highly recommended to all, and has certainly been a huge help towards applying for a mortgage, offering a range of mortgage options through various banking options, finding the BEST rates possible and providing us with ongoing mortgage support.

    Jessica's friendly professional and honest manner is great appreciated and we will continue to use Jessica for future mortgage support.


  • Allan was simply fantastic to work with. He is thorough, professional and a genuinely nice human being to do business with. He was supportive and clear at all times throughout the whole process of buying my house and made sure that I was always kept up to date with what was happening. I am deeply grateful for all of his work and very pleased with the outcome. He comes with my full recommendation.


  • Originally I went straight to the bank and applied for a mortgage, they made it so difficult and very hard to get hold of them. So I decided to use Allan Luck as I was getting nowhere with the bank. I would just like to say that Allan from ‘Luck Mortgages’ did amazing job. Allan Management to get me pre-approval from 2 banks in just a few days and help me all the way to the end. He talked me through every step of the way and how everything will all work. I highly recommend Allan Luck to any first home buyers, as he explains everything so clearly. Anyone who's looking for a mortgage I will be definitely passing on Allan’s details.


  • I would just like to say a big thank you to Allan. He managed to get me finance on my first home and made the process very easy. I will definitely recommend him to anyone because as I say Allan definitely makes it very easy and stress free. Thanks again Allan. Will definitely be using you in the future.


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