Our Services
Whatever you are buying or refinancing, your adviser will help you find a loan and structure that fit and stay with you after it settles.
First Home Buyers
Buying your first home is exciting and confusing. We'll explain the whole process from pre-approval to settlement. We can help you understand how to use your KiwiSaver for a deposit, whether you qualify for the Kāinga Ora First Home Loan (which lets eligible buyers purchase with as little as a 5% deposit) and which lenders suit your income and situation.
Talk to us about thisNew to New Zealand
If you've recently arrived in New Zealand, the lending system here works differently from what you might be used to. Visa type, residency status, time in NZ and overseas income all affect what banks will offer you. Frank speaks Mandarin and can take you through each step in your own language. We work with lenders who understand migrant situations.
Talk to us about thisInvestment Property
Whether it's your second property or your tenth, investment lending has its own rules around equity, rental income and debt servicing. We'll help you structure things in a way that makes sense for your portfolio and keeps your options open for the next one.
Talk to us about thisRefinancing & Rate Reviews
If your fixed rate is coming up for renewal, or you just haven't looked at your mortgage in a while, it's worth checking. We'll review your current setup, compare it against what's available and tell you whether a change is worth making. There's no cost and no obligation.
Talk to us about thisConstruction & New Builds
Building a new home or buying off the plans involves a different lending process, with progress payments, council requirements and longer timelines. We'll match you with lenders who handle construction lending well and keep you informed from consent to completion.
Talk to us about thisRestructuring
Sometimes your mortgage structure no longer suits your life. Maybe your income has changed, you're planning renovations or you want to pay it off faster. We'll look at what you have and suggest changes that could save you money or give you more flexibility.
Talk to us about thisFixed vs Floating Rates
| Fixed Rate | Floating Rate | |
|---|---|---|
| How it works | Interest rate is locked for a set term (e.g. 1–5 years) | Interest rate can move up or down at any time |
| Repayment certainty | Repayments stay the same for the fixed term | Repayments can change as rates move |
| Flexibility | Limited: extra repayments may incur a break fee | High: can repay extra or pay off the loan anytime |
| Best suited for | Those who want budget certainty | Those who want flexibility or expect rates to fall |
Banks and lenders we work with
We're accredited with a panel of banks and non-bank lenders, so we can compare options and recommend the one that suits your situation. The panel keeps growing as new accreditations come through.
Banks
Non-Bank Lenders
From First Chat to Settlement
Here's exactly what happens when you work with me, step by step.
Initial Chat
We talk through your goals, income and situation, free and no obligation.
Document Gathering
I give you a personalised checklist of what each lender needs from you.
Lender Research
I compare rates and criteria across banks and non-bank lenders to find your best fit.
Pre-Approval
We submit your application and get conditional approval, usually within days.
Full Approval
Once you have a property, we finalise documents for unconditional approval.
Settlement
Your loan settles, you get the keys and I stay available for anything after.