Mortgages with JJBuying 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.
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.
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, Kāinga Ora First Home Loan eligibility, and lender appetite for new buyers. The full path from "thinking about it" to keys in hand.
First home buyers →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.
Refinance →Investment Property
DTI rules, equity release, multi-property structures, and lender appetite for investors. I help you grow without overstretching.
Investment →New Build
Building gives you flexibility on deposit and exemption from some LVR rules. The financing process is different — I will walk beside you from start to finish.
New build →Local knowledge, wherever you are in Auckland.
Based in Orewa, I work with clients across the Hibiscus Coast and the wider Auckland region — in person or fully remote, whichever suits you.
Hibiscus Coast
Based in Orewa, I work with first home buyers, refinancers, investors, and new build clients across the Hibiscus Coast — Orewa, Whangaparāoa, Silverdale, and Ōrewa Beach.
Hibiscus Coast →North Shore
From Albany and Browns Bay to Takapuna and Devonport, I help North Shore clients with first home buying, refinancing, investment and new build finance.
North Shore →Rodney
Warkworth, Wellsford, Helensville, and the wider Rodney district — I help buyers, refinancers, investors, and new build clients across the whole area.
Rodney →West Auckland
Henderson, New Lynn, Titirangi, Te Atatū, and the wider West Auckland area — I help first home buyers, refinancers, investors, and new build clients across the region.
West Auckland →Auckland Central
From the CBD to Ponsonby, Mount Eden, and the inner suburbs, I help first home buyers, refinancers, investors, and new build clients across Auckland Central.
Auckland Central →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.
Buying your first home in NZ, explained.
A quick overview of how first home buyers get from wondering to walking through the door — deposit, KiwiSaver, lenders, and the steps between.
Mortgages with JJ · First Home BuyersWant to see what your repayments could look like?
Adjust the loan amount, rate, term, and frequency — your numbers update instantly. It is a starting point for a conversation, not a quote or an offer.
Your loan details
Estimated repayment
This is an illustration only, based on a single blended rate and principal-and-interest repayments. It excludes fees, insurance, rates and any Low Equity Margin. Real lender offers depend on your income, deposit, and circumstances — that's exactly what JJ works out with you.
Things people ask before getting in touch.
I am a first home buyer — where do I start?
How much does it cost to use a mortgage adviser?
How long does pre-approval take?
Do you only work with the big four banks?
I have been declined by my bank. Can you still help?
How are you different from going direct to a bank?
Can I use my KiwiSaver towards the deposit?
How much can I borrow?
What documents will I need to apply?
Should I fix or float — and for how long?
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.
JJ is highly recommended. He helped and guided us successfully into our new home 3 years ago, and continues to be up front and honest with options moving forward.
With the assistance of JJ at Mortgage Design we managed to buy our first house without any dramas. The purchase was made easy, with JJ doing all the mortgage structure.
JJ is by far and away the best broker we have ever dealt with. He has been with us through two properties now and multiple refixes — couldn’t recommend higher!
Live site: this becomes the Trustindex Google reviews slider (Slider IV / Soft), pulling all reviews from the Google Business Profile automatically — no manual updates.
The First Home Buyer Guide.
A practical, step-by-step guide for Kiwis getting onto the property ladder — from your first KiwiSaver question to the day you collect the keys. Written in plain English, no jargon.
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.