Thankyou for helping us


Thankyou Jo - Matt

"Two and a half years ago when faced with the prospect of our first mortgage, we knew we needed help. Enter Jo Choat. Should you ever need to make a claim on your insurances! Call Jo "


"Happy to provide a testimonial for everything Jo has done for us. "

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Jo is truly a rare gem

Testimonial for Jo Choat

Jo is truly a rare gem!

With her on your side what seemed impossible, can be possible. Jo has an intimate knowledge of the banking system as well as the way that interacts with accounting and legal practices,  thus she is able to give clear explanations and guidance about options that suited our needs.

I would say don’t go to a bank and take a chance , you need to talk to Jo! She is tenacious but respectful and will work tirelessly to get the desired result for you.  

We couldn’t recommend Jo more highly.


Jenny & Kevin

You Need Jo In Your Corner


"Smart, Driven and Real are the 3 words I would use to describe Jo. We have known Jo now for well over 10 years and it is fair to say she is our go to person for all matters financial. In times of complex situations be it a Mortgage, life insurance or any other matter, Jo is a truly trusted advisor of the highest level. I can not think of a better reason to stay partnered with someone for all those years! Jo will always provide advise that is considered, focused and always in your best interest. In an industry that is often layered with complexity you need a Jo Choat in your corner"       Cheers JB & Lisa






“I first met our Jo, “our Financial Angel” in 2011 through a mutual friend regarding assistance in the hopes of securing a mortgage to buy our first home on the North Shore Auckland. She was up front and brutally honest about our requirements/deposit etc and although we argued and butted heads initially regarding our current financial situation she certainly made the extra effort to get us a pre-approved loan, even when we didn’t quite have enough deposit. An amazing effort considering the restraints around securing home loans from banks at the time. Be mindful, brokers work for what’s best for you, the banks work for what’s best for them.

She would always stress to us, pay off as much as you can as quickly as you can negating the interest, but only if you can afford it. An extra $20/week can make a massive difference over several years.


8 years later we have approx. 5 years left on our own mortgage aswell as 2x investment properties which are paying for themselves, thanks to Jo’s tireless help and sound advice. She monitors and adjust our mortgage rates when they are due and I normally pester her when I think somethings not quite right, which she happily goes over with me, again.”


No words Jo…… Sonny & Annabelle.


So Happy To Recommend


We will definitely recommend you to anyone we know who is looking for a broker. You have been amazing. 


Hope you are keeping warm and chat to you soon to finalise our insurances.



Kristen & Frederick


Jo made a stressful time completely STRESS FREE


We can not rave enough about the experience that we had from Jo Choat Mortgages & Insurance. From the first meeting we were so impressed with Jo's knowledge of the market and advice on how to structure our loan that we decided to use her services.
Jo & her PA took care of our needs and concerns in all respects. No detail was too small. or too large, too difficult or too trivial for her. We found Jo to be: 
1. knowledgable and professional.
2. extremely flexible regarding our needs and requirements with meeting times.
3. Very quick and professional and always met our needs. 
4. Immediate in responding to our questions via email. 
Jo was always ready to help even taking the banks and accountants to task and correct their mistakes and co-ordinate the necessary stages of our loan application.
Using Jo Choat Mortgages & Insurance made the lending side of house moving stress fee. 
Christine & Rob

Jo thankyou for your work and your kindness

 Jo thankyou for doing my mortgage, and for all of the hard work you did and the kindness you showed me.


Sylvia Kennedy

Thankyou for helping us

 "Jo, thank you very much for your help and assistance in getting us the mortgage we wanted."


Cilla & John Ferguson

Thankyou Jo - Matt


Two and a half years ago when faced with the prospect of our first mortgage, we knew we needed help. Enter Jo Choat. Jo made the process simple. Having no previous mortgage, two average incomes and no deposit, Jo managed to find a way to make it work.  In the process Jo recommended we get generous life insurance policies, to not only cover the mortgage but to make sure there was enough to live comfortably, should anything happen.

Two years later I was diagnosed with a terminal illness. Immediately upon finding out I rang Jo to see if my policy had a terminal clause. Thankfully it did. I was in no state to deal with an insurance company, so Jo insisted she would handle everything for me. After a lot of paperwork and phones calls by Jo on my behalf, the insurance company paid out!  The claim was originally declined due to something I had written on the application form – Jo turned it around.

Since then, I have purchased another home and will be keeping our first home as an investment property. Jo Choat will be handling both mortgages and any future property investment.

I highly recommend Jo Choat Mortgages & Insurance for a hassle free home buying experience and to look after you should you ever need to make a claim on your insurances!

Thanks Jo


Ph  09 486 3224   Fax  09 486 3221
Email  jo@jochoatmortgages.co.nz
Office  Level 4, 15 Huron St, Takapuna
Post Address  529A Beach Rd, Murrays Bay