Mortgage Advice
Whether you’re purchasing your first property, refinancing, or growing your investment portfolio, we’ll guide you through the process and find a solution that works.
What We Can Help With
First Home Purchase
From understanding your borrowing power and building your deposit, to finding the right property and securing the best loan – we guide you through every step until you get the keys.
Investment Property Purchase
We help investors assess cashflow and rental yields, choose the right properties, and secure funding – making the investment process clear and straightforward.
Commercial Property
We work with new and experienced commercial buyers to secure competitive lending for their first or next purchase – providing expert advice from planning to settlement.
Portfolio Reviews
We review your lending structure to find ways to save interest, improve cashflow, and unlock equity – helping you get more out of your property portfolio.
From understanding your borrowing power and building your deposit, to finding the right property and securing the best loan – we guide you through every step until you get the keys.
We help investors assess cashflow and rental yields, choose the right properties, and secure funding – making the investment process clear and straightforward.
We work with new and experienced commercial buyers to secure competitive lending for their first or next purchase – providing expert advice from planning to settlement.
We review your lending structure to find ways to save interest, improve cashflow, and unlock equity – helping you get more out of your property portfolio.
Why it matters
Maximise Your Savings
Getting your KiwiSaver working hard today can help you reach the milestones that matter, whether it’s saving for your first home deposit or building a comfortable retirement fund. With the right choices, your savings can grow faster and get you closer to the life you want.
Access to Advice
Getting your KiwiSaver working hard today can help you reach the milestones that matter, whether it’s saving for your first home deposit or building a comfortable retirement fund. With the right choices, your savings can grow faster and get you closer to the life you want.
Confidence & Peace of Mind
Getting your KiwiSaver working hard today can help you reach the milestones that matter, whether it’s saving for your first home deposit or building a comfortable retirement fund. With the right choices, your savings can grow faster and get you closer to the life you want.
Nationwide Expertise, Local Feel
From Auckland to Invercargill, we work with Kiwis everywhere. No matter where you are, you’ll get advice that’s as personal as if we were sitting across the table.
Fresh, Modern, Relevant
We leave the old-school ways behind. Our advice is clear, jargon-free, and tailored to fit your life right now, and where you’re heading.
Fee-Free and Focused on You
You won’t pay us a cent for our advice. Instead, we focus on creating a personalised plan that puts your goals first.
Everything in One Place
Insurance, KiwiSaver, mortgages, we bring it all together so your finances are simple, connected, and easy to manage.
Your Mortgage Journey, Made Simple
We offer a free consultation. This is a 15-30 minute chat to see if and how we can help. We'll be open about what service you need, what's involved, and any costs, so you can make an informed decision.
Get in Touch
Reach out via our form or give us a call to tell us what you’re looking for.
Discovery Form
Fill out a short form so we understand your situation and can get started faster.
Discovery Meeting
We’ll chat about your goals, budget, and lending needs to tailor our advice.
Pre-Approval
We work with lenders to get pre-approval, giving you confidence when property hunting.
Property & Conditional Offer
We guide you through choosing a property, making conditional offers, and due diligence.
Settlement
We finalise your mortgage setup so you can move in knowing everything is in place.
Our Mortgage Advice is Free
No Fees • No Catches • Just Clear Guidance
Why Clients Choose Us
Putting people first, every step of the way
Andrew Liu has provided exceptional policy advice, providing better insurance options and prices than our current agent and other agents who have reached out to provide policy advice. Highly recommend Andrew - his analysis of insurance options that best meet our needs has been beyond that from any other agent - first time I feel we have the best cover and premium prices for our personal insurances.
Lisa
We had a meeting with Tom from Invicta Financial. We honestly could not be more happy with how easy and stress free Tom has made it. His knowledge and experience in the industry made us understand it all with ease. Invicta financial really works for you, to give you the best cover that works for what we need right now. Couldn’t recommend enough, great service and would highly recommend to anyone who wants to understand their insurance and KiwiSaver easily!
Lisa
Great people, very helpful. Had an insurance claim last year and all I did was let Jared know and it was very smooth sailing with no stress at all. Highly recommend
Thor
Great to work with people that can advise you on how to better invest in your future. The service is fantastic and Lucas is very professional and took his time explaining various scenarios. Great, professional service.
Karen F
Thanks so much for taking the time & explaining the ins & outs. Finding me the best product for my situation. Really appreciated it.
Karen W
Great people and very helpful. Jared went above and beyond for my wife and I, lovely man.
Alex B
Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!
Tom F
Frequently Asked Questions
Everything you need to know about our services, process, and how we work with clients in Auckland, Christchurch, Wellington, and across New Zealand.
Yes. We can review your structure, repayment strategy, and interest rates to find ways to pay off your mortgage sooner and save on interest.
Yes. We help property investors in Auckland, Christchurch, and Wellington review lending structures, secure competitive rates, and optimise their mortgage for long-term returns.
Yes. We can explore mortgage and lending options that may be available, and work with you on strategies to improve your credit profile over time
Yes. We compare options from different lenders, help you understand the costs and benefits, and manage the process if switching is the right choice for you.
Yes. We guide first home buyers in Auckland, Christchurch, and Wellington through understanding their borrowing power, accessing KiwiSaver for a deposit, and securing the right mortgage.
Yes. We can look at refinancing options, debt consolidation, or restructuring as part of your mortgage and financial plan.
Yes. We help with first home loans, refinancing, refixing, investment property lending, and commercial finance for clients in Auckland, Christchurch, and Wellington.
Yes. We provide regular reviews and ongoing advice so your financial plan stays aligned with your goals.
Yes. Our advice is based on your personal goals and situation, backed by independent research, so you receive recommendations you can trust.
We don’t charge upfront fees for our advice. If we receive commissions, they are always disclosed so you know exactly how we’re paid.