Mortgages with JJHi, I am JJ van der Westhuizen.
15 years inside the banks. Six years in your corner.
I am an experienced Financial Adviser with over six years operating in Auckland and accreditations with more than 25 lenders (bank and non-bank) across New Zealand. My passion is delivering practical, first-hand finance solutions for Kiwis — from helping first home buyers take their first step onto the property ladder to showing existing homeowners smarter ways to reduce repayments and interest costs.
I also work closely with property investors, providing tailored strategies to grow and optimise their portfolios. My approach is always client-centric: every solution is custom-built to meet your goals while staying sustainable long term.
With a post-graduate degree in Economics, two years lecturing at university, and 15 years as a commercial banker, I bring depth and a unique perspective to every engagement — the bank's side of the table and yours, both seen up close.
The situations I know inside out.
First home buyers
Deposit options, KiwiSaver withdrawals, Kāinga Ora First Home Loan eligibility, and low-deposit lender appetite. Start to settlement, no detail glossed over.
Growing families
Upsizing for another child, a better school zone, or the home you’ll stay in for the next ten years. Lender treatment of childcare costs and parental leave matters here.
Professionals
Nurses, doctors, teachers — your income is reliable, but lender income-policy treatment varies wildly. I know which lenders treat your situation favourably.
South African expats
Recently arrived from SA? I understand the income-documentation challenges, the NZ credit-history gap, and how the visa-to-PR pathway affects lending.
Property investors
A different game. Lender appetite, equity release, DTI rules, and structure — I help you plan beyond the next purchase.
Self-employed
Business owner, limited company, sole trader, contractor — lender treatment of your income is the difference between approval and decline.
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.