027 336 3000Mortgage advice across four areas, one approach.
Whether you’re buying your first home, refinancing what you’ve got, building a property portfolio, or going down the new build path – the conversation starts the same way and the standard of work doesn’t change. Pick the area below that fits where you are.
Four areas I help with
Most clients fit cleanly into one of these to start with. Many end up working with me across two or three areas over time as their situation changes.
First Home Buyers
Deposit help, KiwiSaver withdrawal, Kāinga Ora pathways, pre-approval, and the conversation that turns “is this even possible” into a clear yes or no.
First home buyer helpRefinance
Better rate, cashback, restructure, or unlock equity. Honest break-even maths and a comparison across 25+ lenders before you decide whether to move.
Refinance optionsHow working with me actually goes
Whichever area you fall into, the working style is the same. Three things you can count on.
Honest answers
If the maths don’t work, I’ll tell you. If your bank’s offer is actually fine, I’ll tell you that too. The job is to get you the best outcome, not necessarily to get a deal done.
No cost to you
For the vast majority of home loans, lenders pay me a commission when your loan settles. There’s no cost to you for my advice or the application work. On the rare occasion a fee would apply, I’ll tell you upfront.
Long-term relationship
I’m not a one-deal broker. Most of my clients come back for refixes, top-ups, the next investment property, or just a sense check before they make a move. The relationship is the point.
Don’t know which area applies to you?
Many people don’t fit neatly into one box. Maybe you’re a first home buyer looking at a new build, or you’re refinancing your home and tapping equity for an investment property at the same time. Start the conversation and we’ll work it out together.
Just tell me what you’re trying to do
One conversation usually clears it up. Tell me what’s on your mind in plain English and I’ll come back with a clear next step – whether that’s “yes, let’s go”, “here’s what needs to happen first”, or “you’re not ready yet, here’s why”.
Start the conversationReady when you are
Pick an area above for the deeper detail, or just reach out directly. Either works.
Talk to JJOr call 027 336 3000