027 336 3000Buying your first home? Let’s get you there.
I am JJ – a Senior Mortgage Adviser based in Orewa. I specialise in helping Kiwis buy their first home, and also work with refinancers, investors, and new build clients across Auckland. I compare lenders, structure the deal properly, and you pay nothing for the advice.
Hi, I am JJ – your local mortgage adviser on the Hibiscus Coast
Senior Mortgage Adviser
Most of the people I work with are buying their first home. Some are refinancing, some are investing, some are building. The mix changes – but the approach does not. I take the time to understand your situation, explain what is actually possible, and help you make a confident decision.
I compare across 25+ lenders, structure the deal properly, and walk you through every step. From the first conversation to the day the funds settle, you have someone in your corner who actually picks up the phone.
The first chat is free. No pressure, no jargon, no obligation. Just a clear answer on what is possible and what to do next.
Four ways I work with clients
First home buyers are the biggest part of my work, but I also help refinancers, investors, and new build clients. Click through for the detail, or just call and we will work it out together.
First Home Buyers
Deposit options, KiwiSaver, Kainga Ora First Home Loan eligibility, lender appetite for new buyers. The full path from “thinking about it” to keys in hand.
Learn more →Refinance
Rate reviews, cashback offers, structure rebuilds, and break-fee maths. If you have not reviewed your loan in two years, you are probably overpaying.
Learn more →From first chat to funded deal
Four steps. Most clients move from initial conversation to settlement in 4 to 8 weeks, depending on their situation.
Free consultation
30-minute chat. No cost. We work out what you actually need and whether I am the right person to help.
Strategy & lender match
I compare your situation across the lender panel, structure the deal, and recommend the best path.
Application & approval
I prepare and submit your application, manage the lender conversation, and chase down approvals.
Settlement & ongoing review
Funds settle, you get the keys (or the better rate), and I check in annually to keep your loan working.
Things people ask before getting in touch
I am a first home buyer – where do I start?
The best first step is a free 30-minute chat. We work out what your deposit actually looks like (savings, KiwiSaver, gifted funds), whether you qualify for the Kainga Ora First Home Loan, and roughly what you could borrow. From there we map the path to a pre-approval and then to an offer. No cost, no pressure, no commitment to use me – just a clear picture of where you stand and what to do next.
How much does it cost to use a mortgage adviser?
Nothing to you. The lender pays my commission when your loan settles. You get full advice, application support, and ongoing reviews at no cost. If for some reason a deal is not paid by the lender, I will tell you upfront before any work starts.
How long does pre-approval take?
Approval timeframes vary depending on the lender and your circumstances. Some approvals are quick, while others take longer. We keep you informed and follow up to ensure the process moves smoothly.
Do you only work with the big four banks?
No. I am accredited with 25+ lenders including the main banks (ANZ, ASB, BNZ, Westpac), the second-tier banks (Kiwibank, SBS, Heartland, TSB, Co-operative), and a range of non-bank lenders for situations the main banks will not look at. The right lender depends entirely on your situation.
I have been declined by my bank. Can you still help?
Often, yes. A decline at one lender is not a decline everywhere. Different lenders have different policies on income type, deposit source, credit history, and property type. Part of my job is finding the lender whose policy actually fits you.
How are you different from going direct to a bank?
A bank can only offer their own products. I compare across the whole lender panel, then structure the deal so it works for your situation, not just theirs. The advice is independent. The cost is the same (zero) either way.
Real reviews from real Kiwis
Verified five-star reviews from clients across the Hibiscus Coast and wider Auckland. Read what working with JJ actually looks like.
Ready for a no-pressure conversation?
30 minutes. No cost. No obligation. Just a clear answer on what is possible and what to do next.
Important disclosure
JJ van der Westhuizen (FSP1000031) is a Senior Mortgage Adviser operating under the Financial Advice Provider licence of Mortgage Design Limited (FSP752291). A copy of our publicly available disclosure document is available on request, free of charge.
This website is general information only and does not constitute personalised financial advice. For advice tailored to your specific circumstances, please get in touch.