Mortgages with JJ027 336 3000
Home / Services
Services

Whatever stage you're at, there's a clear next step.

First home buyers are the biggest part of my work, but I also help refinancers, investors, and new build clients — comparing 25+ lenders and structuring the deal properly, at no cost to you.

Talk to JJ →Try the calculator
Four ways I work with clients

Pick the one that sounds like you.

First Home Buyers

From deposit and KiwiSaver to pre-approval and settlement — a guided path built for people doing this for the very first time. This is my specialty.

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 Property →

New Build

Building or buying off the plans comes with its own lending quirks. I handle the staged-drawdown detail so you can focus on the house.

New Build →
How it works

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.

1

Free consultation

30-minute chat. No cost. We work out what you actually need and whether I am the right person to help.

2

Strategy & lender match

I compare your situation across the lender panel, structure the deal, and recommend the best path.

3

Application & approval

I prepare and submit your application, manage the lender conversation, and chase down approvals.

4

Settlement & ongoing review

Funds settle, you get the keys (or the better rate), and I check in annually to keep your loan working.

Why work with me

A real person in your corner, not a call centre.

25+ lenders compared

Bank and non-bank, so you see the whole market, not just one bank's own products.

No fee to you

The lender pays my commission when your loan settles — full advice at no cost.

Actual availability

You get someone who picks up the phone, from first chat through to settlement and beyond.

Common questions

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 Kāinga 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.
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. I keep you informed and follow up to make sure the process moves smoothly.
Do you only work with the big four banks?
No. I compare across 25+ bank and non-bank lenders — the four majors, second-tier banks, and specialist lenders for situations the big banks will not look at.
I have been declined by my bank. Can you still help?
Often, yes. A decline from one bank does not mean every lender will say no — different lenders have different criteria and appetites. I look at where your situation actually fits and take it to the lender most likely to approve it.
How are you different from going direct to a bank?
A bank can only offer its own products. I compare the whole panel, structure the deal around your situation, and manage the process from first chat to settlement — and there is no fee to you.

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.

Talk to JJ →Or call 027 336 3000