We are based in Christchurch, New Zealand, but we service clients nationwide and even internationally in some cases. Thanks to digital tools, we can assist you no matter where you’re located. Our adviser works with clients across New Zealand via online meetings, phone, and email, and we can arrange face-to-face meetings by appointment for local Christchurch clients.
For most standard home loans, our advice and brokerage services won’t cost you anything out of pocket – we’re typically paid by the lender in the form of a commission. In other words, you usually do not pay us a fee. There are only rare situations where a fee might be charged (for example, if we arrange a loan through a lender that doesn’t pay a commission, or if your situation requires significantly extra work). In the unlikely event a fee would apply, we will always explain the reason and get your agreement in writing beforehand, so there are no surprises. rest assured that in the vast majority of cases our service is free to you.
We have access to a wide panel of lenders through our membership in the Kiwi Adviser Network. This includes all the major New Zealand banks – such as ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, SBS, and The Co‑operative Bank – as well as many non-bank and specialist lenders. For example, we can work with reputable non-bank lenders like Avanti Finance, Liberty Financial, Pepper Money, Southern Cross, and others. We will identify the lender (or lenders) that best fit your needs and explain our recommendations as part of the mortgage advice process. (A full list of our available lending partners is available on request.)
Our focus is on providing home loan and mortgage advice. This includes helping with almost every aspect of residential lending: from buying your first home, to next-home or upgrade loans, to investment property mortgages and restructuring or refinancing existing loans. We also assist with more specialized lending needs like new construction or renovation loans and debt consolidation loans secured by a home. However, we do not currently advise on areas like personal insurance or detailed investment/retirement planning – if you need help with those, we can refer you to a trusted specialist adviser. Our goal is to guide you through the home financing process and find the right loan solution for your situation.
We are very flexible in how we meet with clients. The majority of our clients choose to meet through online video calls or phone calls for convenience. This means you can get expert mortgage advice from the comfort of your own home, anywhere in New Zealand (or overseas). If you’re located in Christchurch and prefer a face-to-face meeting, we’re happy to arrange an in-person appointment – we can come to your home or meet at another mutually convenient location. The bottom line is that we’ll work with you in whatever way suits you best, whether that’s virtually or in person.
