What I Do Video
Get Pre-Approved – Know What You Can Borrow
If you're a first home buyer or not sure how much you can borrow, a pre-approval is the perfect place to start.
I’ll help you apply for a pre-approved home loan so that when the right property comes along, you're ready to make an offer with confidence.
With your budget confirmed, you can search for homes knowing exactly what you can afford — saving you time and stress.
First Home Buyer Mortgage – Start with KiwiSaver + First Home Loan
If you're buying your first home, you may be able to use your KiwiSaver savings and apply for a First Home Loan to boost your deposit and borrowing power.
Here’s how you can get started:
Call your KiwiSaver provider to check your first home withdrawal balance
Chat to me about using your KiwiSaver towards your 5% or 10% home deposit
Learn how the First Home Loan scheme (underwritten by Kāinga Ora) can help you get into your home sooner
Need a hand? I’ll walk you through how it works and help apply on your behalf — all at no cost to you.
Talk to Family – Support May Be Closer Than You Think
Having a chat with your family could make a big difference. They might be willing to:
Offer a gifted deposit
Provide a guarantee to strengthen your application
It’s not always an easy conversation, but it could be the key to getting into your first home faster — and I’m happy to help guide that process if needed.
Investment Property Finance – Grow Your Portfolio
Whether you're buying your first investment property or looking to expand your portfolio, I can help structure the right loan for your needs.
With personal experience owning and managing rentals in New Zealand, I offer more than just the finance side — I bring practical insights to help you make smarter decisions.
Before buying an investment property, I highly recommend speaking with your accountant to ensure you're getting the most benefit from your structure and tax situation. I can also connect you with property-savvy professionals if needed.
Existing Homeowners – Upsizing or Downsizing? I Can Help.
Life changes — and so do our housing needs. Whether you're upsizing to fit a growing family or downsizing for retirement, I’ll help you understand your options and make the move as smooth as possible.
Thinking of Upsizing?
Need more space for a growing family?
Want to move to a better school zone in Christchurch?
Looking to add an investment or second home to your life?
Let’s talk about your goals and what’s financially realistic. I can help you assess your borrowing power and find the right home loan solution.
Thinking of Downsizing?
Are the kids finally out of the house?
Ready to retire and free up equity?
Want something smaller and easier to manage?
Downsizing can feel like a big step, but I’m here to help you figure out how to make it work — financially and practically. Together, we’ll look at what’s possible and create a plan that works for you.
Refinancing Your Mortgage
Is your current mortgage coming up for a refix? Or maybe you’re curious if you could save money by switching to a better deal? Whether you want to explore refinancing options or simply want to know how much you could save by shopping around, I’m here to help.
Maybe you’re thinking about:
Buying a new car
Taking a holiday
Adding extra funds to your existing mortgage (a “top-up”)
Whatever your reason, just ask! I can guide you through the refinancing process and find the best options to suit your needs.
Construction Loans – Building Your Dream Home
Building a home is an exciting journey, but it can also feel overwhelming. No matter what type of building project you’re planning, I’m here to help you understand the mortgage process and make it easier.
New Turn-Key Builds
A turn-key build means you pay a deposit when your contract is approved, then pay the balance when the build is finished.
Why choose a turn-key build?
You don’t need to make progress payments during construction
You can keep paying your existing rent or mortgage while your new home is being built
You get a brand-new home at a fixed price
Many builders offer turn-key packages with a set price, making budgeting easier.
If you’re thinking about a turn-key build, I can help you get pre-approved for a mortgage up to 90 days in advance — so you know exactly what you can afford before you start shopping.
New Builds Managed by a Building Company
If you plan to build your own home with the help of a building company, here’s what you need to know:
Start with a mortgage broker (that’s me!)
Let’s work out your budget first — including a buffer for potential cost overruns — so you can be confident you can afford your build repayments.Find your land
Depending on where your land is, your lender might require a Geo-Technical (Geo Tech) report to assess the site.Plan your build
Work with your building company to design your dream home and make sure it fits the land. I can also recommend reputable builders if you need.Get your plans consented and approved
Once approved and within budget, construction can begin.Manage progress payments
Building loans usually release funds in stages as your home is built. You’ll need to budget for repayments throughout this period.Note: Banks often hold back the final 5-10% of the loan until the project is fully completed and you receive a Certificate of Code Compliance.
Why Work With Me on Your Build?
Building a home can be both exciting and stressful. I’ve personally managed many builds and love helping clients navigate the process smoothly. From mortgage pre-approval to final completion, I’m here to support you every step of the way.
Let’s Chat About Your Home Loan Options
No matter where you are in your journey — buying your first home, investing, refinancing, or building — I’m here to offer free, personalised mortgage advice across Christchurch and NZ-wide.