01Usually free
Mortgage Advice
First homes, refinancing, investments, top-ups and debt consolidation - with structure considered from day one.
Explore this serviceMortgage, KiwiSaver and Pay Off Faster Advice
Get the loan right. Then pay your home loan off faster.
Understand what a lender sees, build a practical mortgage structure and turn extra cash flow into a clear plan to become mortgage-free sooner.
Clear financial positionSmarter loan structureFaster mortgage progress
A question most banks do not answer
How much faster could you pay off your mortgage?
Paying the minimum for 30 years is not the only path. The right repayment level, account structure and review timing can reduce interest and bring your mortgage-free date forward.
Explore the 90-Day PlanAdvice for the whole financial journey
Choose the help that fits your position.
Mortgage and KiwiSaver advice are generally funded by provider commission. The personalised 90-Day Plan is a separate NZ$399 advice service.
02Free advice
KiwiSaver Advice
Understand your fund, risk settings and contributions for a first home and beyond.
Explore this service03NZ$399
90-Day Pay Off Faster Plan
A personalised review of your real cash flow, repayment range and offset or revolving-credit suitability.
Explore this serviceOur advice process
No blind booking. Start with your financial position.
Complete the short form, choose a Calendly time, and optionally complete your Mortgage Profile so Yan can prepare.
01
Financial Position Check
02
Book a time
03
Strategy session
04
Right pathway
A useful first tool
See what one extra repayment could change.
Compare your current path with a higher repayment. It is an illustration, not a recommendation.
Try the calculatorMortgage$600,000
Extra fortnightly$200
Illustrative time saved5 yrs 8 mthsAssuming the same rate and continuous payments.
Latest articles & videos
View all articlesPractical mortgage strategy, ready to share.
Pay Off Faster
Paying Off Your Mortgage Faster Starts With One Sustainable Number
Before changing banks or opening a revolving credit, work out the extra repayment your household can maintain without falling back on debt.
5 min readRead article
Loan Structure
Offset vs Revolving Credit: The Difference That Matters Most
Both can reduce the balance charged interest, but they organise your money differently and require different spending discipline.
4 min readRead article
Refix
Your Fixed Rate Is Ending: What to Review Before You Refix
A refix decision is more than choosing the shortest advertised rate. Review your goals, cash flow, structure and likely changes first.
4 min readRead article
People, not a call centre
Meet the teamA small team around your advice.
YHYan HuangPrincipal Adviser
RBRachelle BalansagMortgage Support
JVJulian ValeroClient Outreach
HHeidiFinance Manager
Your first step
Book Your Financial Strategy Session.
Tell us the essentials first. After the two-step form, select a time directly in Yan's Calendly.
- Understand your indicative financial and lending position
- Discuss refinance, refix, structure or pay-off-faster goals
- Complete the detailed Mortgage Profile only if you want Yan to prepare in advance