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
I want to thank Andrew Liu for all his help — honestly can’t recommend him enough. Super professional and really knows his stuff — you can tell right away he’s not just winging it. He takes the time to actually explain things instead of just throwing numbers at you. If you’re looking for someone reliable to help with your finances, Andrew’s your guy.
Andre B
Orion Chau was great to work with, very informative and found a more affordable insurance provider. It was a pleasure to work with Orion and Lily.
Melissa P
I was frustrated with our previous broker and reached out to Connor. Not only did he find us a better policy, he was great to deal with especially considering he had to work around our busy schedule. Thanks again.
Russell E
I highly recommend Richard Moore for his exceptional professionalism, deep knowledge, and absolute honesty. I reached out to him to review my income protection insurance and explore other financial options.Instead of just trying to sell me a new policy, Richard conducted a meticulous, detailed comparison between my current provider and the market alternatives. He concluded that my existing coverage was already excellent and honestly advised me to stick with it.Finding an adviser who prioritizes the client's best interests over making a sale is rare. Richard has earned my complete trust, and I will absolutely look to him for all my future insurance and financial planning needs.
Sau Lee C
5/5 Stars ~ Working with Paige (Financial Advisor) at Invicta Financial has been such a great experience. Right from the start, she was incredibly nice and so easy to talk to. She really went above and beyond to make sure I was looked after, and I genuinely appreciate everything she’s done for me. If you’re looking for someone who actually cares, definitely reach out to her!
Kayla S
Tom has been a dream to deal with! Very easy to communicate with.
Debra S
Dealt with Caleb to sort my KiwiSaver, he was very professional, helpful and warm. He helped me switch from my standard bank over to an externally managed fund, and I have seen positive growth in my KiwiSaver. A very knowledgeable advisor.
Tayla W
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.