027 733 2782
Our mortgage brokering firm is here to help kiwis find their way into homeownership and property investing faster, safer and easier
We go beyond simply securing and structuring mortgages
Our mortgage brokering firm helps Kiwis across New Zealand achieve homeownership and property investment faster, safer, and easier.
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Our mission is simple: to guide first home buyers and investors through the property journey with personalised, hands-on advice.
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We are passionate about helping clients build lasting wealth through property. From preparing to purchase, to using the same data real estate agents rely on to find, evaluate, and buy with confidence, we support you every step of the way.
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When you work with us, you’re not just getting a mortgage, you’re creating a wealth strategy designed to last a lifetime.
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Ready to get started? Book a call today to take your next step toward property ownership.
What we do
We work with first and next-home buyers, as well as both first-time and seasoned property investors. Whether you’re just starting your property journey or growing an established portfolio, we’ll make sure you have the right finance, strategies, and support to move forward with confidence.
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Our office is based in Kerikeri, where we proudly serve the local community. But location is no barrier, we also work with clients online right across New Zealand, giving you the same tailored service no matter where you are. ​Here’s how we help:
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First Home Buyers. Secure the right finance and support to make your first home a launching pad for future wealth.
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Property Investors. Create and work a property financing plan to scale your portfolio.
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Life Insurance Brokering. – Design and implement a protection plan to secure what you have and keeps your wealth goals on track.
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Our services typically come at no cost to our clients, as we are remunerated by our lending and insurance providers.
Everything we do is designed to give you the advice and support you need to confidently pursue and achieve your property goals.
How we do it
Discovery
We start with a conversation to understand your goals, whether it’s your first home, next home, or building wealth through property investment.
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Information Gathering
We collect the key details about your financial position, future plans, and risk profile, so our advice is tailored to you.
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Strategy & Options
We research and structure finance options across multiple lenders, considering property strategies, market conditions, and your long-term wealth goals.
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Recommendations
We present clear, practical advice, the finance structure, property approach, and protection plan that best fits your situation.
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Action & Implementation
We handle the paperwork, negotiate with lenders, and provide tools and guidance so you can buy with confidence and secure property on the right terms.
Ongoing Support
Our relationship doesn’t stop at settlement. We stay connected, reviewing your lending, investment position, and protection needs to.
Our Partners
We partner with some of the most trusted names in banking and insurance
to deliver the best possible mortgage and insurance outcomes for our clients.
For a full list of our partners, please see our Disclosure Statement.
FAQ's
What do you do as a mortgage broker/adviser? I help you buy better and borrow smarter. My focus is on strategy, structure, and negotiation so you get the right property at the right price, with lending that sets you up for your next move and not just now.
Can you help me get a better deal on the property itself? Yes we can, that’s one of our favourite parts of the job. I can guide you on how to make strong, clean offers, use conditions strategically, and negotiate price reductions where appropriate. Having me involved early often means you buy at a better price and with terms that protect you.
Do I pay you for your service? In most cases, no I’m paid a commission by the lender when your loan settles. If a fee ever applies (for example, very complex or specialist lending), I’ll discuss it with you upfront so there are no surprises.
How much deposit do I need? Most home purchases require a 20% deposit, but there are options for as little as 10%. I’ll help you explore low-deposit lending options, KiwiSaver withdrawals, First Home Grants, or gifted deposits so you can get into the market sooner. For investment properties, most banks require a 30% deposit — but there are situations where we can secure approval with as little as 20%. I’ll guide you through the lender criteria and structure your lending to give you the best chance of success.
Who do you work with and what kind of mortgages do you do? I work with a wide range of clients, from first-home buyers and families upgrading, to property investors, developers, and business owners. Whether you’re employed or self-employed, I can help with everything from securing your first mortgage, refinancing or restructuring your lending, and arranging construction or development finance, to structuring borrowing across multiple banks, protecting your home and income with the right insurance, and guiding you on tax and legal structures so you can have better conversations with your accountant and solicitor. My goal is to help you buy better, borrow smarter, and put a strategy in place that supports your long-term goals.
What is the difference between pre-approval and unconditional approval? Pre-approval (conditional approval) means the lender has reviewed your situation and approved you up to a certain amount, subject to conditions like a valuation or a signed sale agreement. Unconditional approval means those conditions are satisfied — the funds are ready to be released. I’ll manage this process for you and keep you informed at each step.
How long does the process take? Obtaining lending approval typically takes around 3–4 weeks when you factor in the time needed to collect your information, review and prepare the application, and for the lender to fully assess it and provide approval. Lender turnaround times can vary — usually between 2–5 working days — depending on their workloads. We receive ETA updates from lenders weekly and keep our clients updated every week so you always know where things are at.
Why not just go straight to the bank? Banks only offer their own products. I work with multiple banks and lenders, negotiate on your behalf, and manage the process from start to finish. Beyond just arranging a mortgage, I help you think about the bigger financial picture, from how your lending is structured across multiple banks to maximise flexibility, to guiding you on investment strategies, life and risk insurance, and even how to have more productive conversations with your accountant and solicitor about tax and legal structures.