Welcome to DM Consult

DM Consult Mortgages + Insurance was established off the back of “doing the right thing” by the clients we help to get into their next home in Hawke’s Bay.

We value you and your needs which means you get the financial solution that best suits you from our selection of Home loans, Business loans and Insurance providers. This is safeguarded by adherence to financial standards and finance industry legislation.

Darrin McCormack is a member of professional finance industry organisations being the PAA (Professional Advisors Association formerly the New Zealand Mortgage Brokers Association (NZMBA)) and the FINSIA (Financial Services Institute of Australasia).

Each client is provided with a Disclosure Document that includes details of their personal adviser’s qualifications and organisational memberships, their industry and experience, how we service client’s needs, and how they are remunerated.

Darrin McCormack, Hawke's Bays most trusted mortgage and insurance adviser
Find out why you should speak to Darrin about your mortgage and insurance before you speak to anyone else.
Brad Collett (BCIA Limited)
Brad Collett Insurance Adviser

What Darrins Clients say

Very likely to recommend Darrin. He was easy to talk to and helped me understand the process. Please give him a pat on his back from me.

100% recommend Darrin. He is friendly and easy to talk too.

Highly likely to recommend Darrin. He was very helpful and very knowledgeable.

It was great and I would recommend Darrin's service. He was very helpful.

We do recommend Darrin. We love how we don't have to go into a bank. There is no stress with Darrin and we can get an appointment with him easily.

Ngaio Lewis - Office Manager

What Darrins Clients say

We had a loan approval within a matter of days at a tricky time of year and with tight time constraints.

Sure we would recommend Darrin. He is always available and returns our calls when we have questions.

Darrin goes out of his way to find the best possible options to accommodate his clients.

Darrin was friendly, honest, professional and made us feel at ease during the process of obtaining our first mortgage.

I work in real estate so I do recommend Darrin. What I like is that he gets on with it and does a good job.

"The Profit" Feb-Apr 2016 Edition


darrinDarrin McCormack worked in banking for 17 years before moving on from ANZ Bank in 1999 to establish a well know Mortgage Brokering brand in Hawke’s Bay.  It is here that he became one of their top brokers nationally.

Darrin has helped over a thousand Hawke’s Bay residents to secure over $300 million of finance for housing purchases, building loans, top ups and business loans.

Darrin’s business focus is totally client focused, which means he will do the right thing by you!

He has accumulated a vast amount of knowledge about mortgages and insurance during his career and is now going it alone.

Having gained a reputation for always putting his clients first and being honest, the future is looking very bright for those who chooses DM Consult.


We will meet with you to identify your finance needs and give you options that best fit your circumstances from our selected lenders suppliers.  We will do the leg work for you to arrange finance for you.

bank First Home Buyers

Buying a house can be stressful.  We will take the stress out of the process for you.  Having helped many first home buyers in the past we know how to get a result for you.
We will meet with you to identify your finance needs and give you options which best fits your circumstances.  We will do the leg work for you to arrange finance with the lenders .

calc Re-Fixing or Refinancing

We will have a look at what's available in conjunction with your financial position to come up with the rate option which best suit you, without the pressure of the lender wanting you to make a decision. "This is about you, not a lender meeting their sales targets."

We Can Help With...

  • Loan structures
  • Business Loans, Bridging Finance
  • Loan Top Ups
  • Mortgage Tips


Lenders I use

avanti anz asb
resimac bettermort coop
dbr HBS-Bank-e1370495380598
sbs sovereign westpac

wallet Buying or Selling

It’s a great idea to have a friendly chat you your DM Consult adviser as part of the Buying and Selling process. Just because you have a loan with a lender already, doesn't necessarily mean its a forgone conclusion when you want to buy your next property.  We will reassess your financial position and seek a conditional approval for you even before you place your current property on the market, which means you have an idea of what you can borrow for your next purchase.

chart Interest Rates

There are a multitude of options: floating or fixed rates, some low and some higher, special offers (carrots) - but what do they all mean in relation to your specific needs.  Is the lowest rate the best rate for you?  Is the special offer (the carrot) going to help achieve your financial goals or not?

  • Does your circumstance allow you to get the best or special interest rate?
  • What do you need to offer the lender to qualify for the special offer?
  • Is refinancing to another lender chasing the best interest rate and the dangling carrot really going to help you with achieving you financial goals?

This can all be very confusing for a prospective borrower, so give DM Consult a call to discuss your financial needs and goals in relation to interest rates.


Think about what you would do if the worst should happen…

How would you keep your home if you should lose your job?  Would your family be able to stay in the home if you were no longer there to support them?  What would you do if you had a critical illness that prevented you from going back to work?

What would happen if your spouse died?
It’s not nice to think about, but you will need to think about how this would affect you when it comes to insurance and protecting your loved ones and family assets.

What Insurances are there?

cross Life Insurance
Life Insurance provides a lump sum in the event of your death, that can be used to repay your mortgage, or gives an extra amount to cover the income that your family will lose without you around.

crossPermanent Total Disablement
Pays a lump sum in the event of disability and being unable to work further.  This can be purchased as a standalone or as an add on to Life Insurance.

crossIncome Protection
Provides an income if you were unable to work due to accident or illness, and in some cases if you were to be made redundant.  The income can help continue paying your mortgage and debts.

crossTrauma Cover
Trauma Insurance provides vital financial protection and helps give you peace of mind if the unexpected happens. It helps you, and those closest to you, work through this time more easily and preserve what's most important in your lives together.

Insurance provider I use



The Profit Feb-Apr 2016 with Darrin

The Profit - Debt Reduction

February 8th 2016Darrin is once again featuring in the latest Feb-April 2016 issue of "The Profit".  This time Darrin's words of wisdom give advice on debt reduction, and how to remove the media hype from other… Read more


DM Consult Hitting the Headlines

August 3rd 2015DM Consult's Darrin McCormack has been featured in The Profit magazine. Darrin explains the benefits of using a mortgage advisor. "I am an intermediary between you (the client) and the Lender… Read more


DM Consult featured in The Profit magazine

February 10th 2015In the latest issue of The Profit Darrin has a full page article about his return to the finance industry as an independant mortgage advisor. Darrin talks about his "wilderness years" after he… Read more


I really had a great experience having Darrin as my broker.  He's thoughtful and nice.  Everything went well with his help.  I'll definitely recommend him to whoever's going to need the service.

June Zhang

Thank you to all the team who helped us to obtain our house - much appreciated. Once again, we thank you very much indeed, and we will keep our ears open to see if we hear of anyone else looking for help will highly recommend this firm. Thankyou Yvonne and Reihana Ria

Yvonne & Reihana Ria


Your Name (required)

Your Email (required)


Your Message

Contact Details

Tel: 06 877 0271

Mob: 0274 763816

Email: darrin@dmconsult.co.nz

Postal: P.O Box 450, Hastings 4156

Office: Level 1, 1 Napier Road, Havelock North 4130

Facebook Posts

Meet Freddy, Maraea and one of their children.
Freddy was referred to DM Consult by a workmate who had used Darrin’s services to organise finance for his house purchase.
This was Freddy and Maraea’s first house so they needed some direction in getting their finance organised. Darrin organised the finance, and Freddy took direction regarding Kiwisaver and the Homestart Grant and quickly nailed it like he had done it before!
Now Freddy, Maraea and their children have the security of owning their own home - congratulations you guys - well deserved!
... See MoreSee Less

Meet Mark and Julie.
They had moved back to Julie’s home town from Ireland where they had met.
They had approached the bank directly however there was a communication breakdown from the bank to them which was a little unsettling, so they called dm consult mortgages + insurance to look after organising the finance for them.
Darrin was able to meet Mark and Julie afterhours to take an application to apply for finance, and was then able to obtain a couple of loan options for them to consider.

Mark and Julie are busy people with a young family and they appreciated having someone else doing the foot work for them, so Mark could focus on his job in the irrigation industry and Julie on her Podiatry business www.baypodiatry.nz/.
... See MoreSee Less