Home Loan Advice

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Our Mission is to Help You Get Ahead Financially

Mortgage Adviser In Auckland & NZ Wide

First Home Buyer Loan

Looking at buying your first home? Buying your first home is exciting, but navigating home loans can feel overwhelming. That’s where we come in.

As a boutique, family-run mortgage advisory service, we’re committed to guiding you every step of the way. From completing your mortgage application to securing the best home loan deal and structuring it for faster repayment, we make the process simple and stress-free.

With expert advice and personalised advice and support, we’ll help you turn homeownership from a dream into reality.

Woman doing mortgage finance calculation on calculator

Mortgage Refinance

Refinancing a mortgage isn’t just about securing the lowest rate—it’s about finding the right home loan refinance solution to align with your financial goals. As experienced mortgage refinance specialists, we have access to multiple lenders to provide competitive loan options.

But more importantly, we take a strategic approach, reviewing your mortgage structure and offering expert advice to help you pay off your home faster and save more in the long run. Going the extra mile for our clients is simply what we do.

Investment Property Mortgage

Successful property investment requires a sound strategy. While many brokers focus solely on securing finance, we go beyond that. We’re qualified financial advisers with over 20 years of hands-on property investment experience.

Whether you're investing in Auckland or anywhere else in New Zealand, our expert mortgage advisers simplify the process, helping you secure the best loan for your investment goals. From first-time investors to seasoned property buyers, we provide strategic advice and tailored financing solutions to maximise your returns.

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How We Help You

Improved Financial Wellbeing - our goal is to help you achieve your financial goals, save money in interest, pay down debt fast and get ahead financially.

We Find The Best Deal For You - we search you out the best package for your situation from all available home loan options, including the big banks, finance companies and non-bank lenders.

We Save You Time - let us do the research and explain your options in simple language.

We Guide You With Expert Advice - we draw on our knowledge as ex-bankers with 25+ years experience in financial services and property investment to tailor advice to your situation.

We Don’t Charge You For Our Service - We are paid by the lender you choose to take a mortgage with.

We take a thorough approach by researching all available options across banks, finance companies, and non-bank lenders. With our experience and deep understanding of the market, we match you with a loan that best fits your situation, goals, and future plans. We don’t just look for the lowest rate—we consider features, flexibility, and long-term savings to ensure you get the best deal.
We are fully transparent about how we are paid. Our commission from lenders is disclosed to you upfront and again when you are making your final decision. Our process is built around giving you the best advice—our recommendations are always based on what is in your best interest, not on which lender pays us the most.
It all starts with a simple chat—get in touch, and we’ll discuss your needs and how we can help. Once we have all your information, we can typically submit an application within a day or two. From there, approval times depend on the lender, ranging from a few days to a few weeks. We’ll always keep you updated so you know what to expect every step of the way.

How Much Does A Mortgage Adviser In Auckland Or NZ Charge?

We don't charge you for our service - Home Loan Studio is paid by the lender once you get your home loan. No lender to approve your loan? No charge. Simple. We are always upfront about any fees we will receive. As part of our disclosure process we will let you know how we’re remunerated and then once the specifics of the advice to you are known, we’ll let you know how much we expect to be paid in our statement of advice to you. So if you are looking for a good mortgage adviser NZ wide, expect your adviser to be transparent about how they are paid. For further information see our disclosure statement.

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Latest Blog Posts

Featured

Home Loan Basics: A Guide to Understanding Your Options

Choosing the right mortgage is crucial when buying a home. Different types of loans come with varying interest rates, fees, and flexibility, all of which impact the overall cost and the time it takes to pay off the loan. Here’s a breakdown of the most common home loan options to help you make an informed decision.

6 Tips to help you reduce credit card debt

Managing credit card debt and other consumer debt has become increasingly important in today’s world. With the cost of living rising ahead of incomes and inflation at levels many younger people have never experienced, it’s easy to see how financial pressures can mount. Throw in business failures, job insecurity, and unexpected emergencies, and those with little or no savings can quickly find themselves spiralling into debt.

How your savings account could be keeping you poor

In this article we explore why large savings balances in todays environment might not always be the best option, especially if you have home lending.

Chasing Money - what does the research say?

What does the research say about chasing money? Does it lead to happiness? Research from the University of Rochester indicates that chasing money is not the answer and maybe your Mum knew a thing or two.

Clarifying Your Financial Priorities

As a financial adviser, what I have found in all my years of working with people and their money, is that financial clarity is often missing for the majority of people.

16 Ways To Pay Off Your Home Loan Faster

With rising interest rates and an increasing cost of living, paying down your debt and reducing your interest costs is now more important than ever.

Compound Interest: Unlocking Financial Growth or Catastrophe?

Compound interest is like a magic snowball that grows bigger and faster as it rolls down the hill. When it’s working in your favour, it’s a beautiful thing, when it’s working against you it can be suffocating. In this article we’ll examine; how compounding interest works, how compounding interest works against you & what the practical things we can do about it are.

Buying Commercial Property in Auckland: Why You Need a Mortgage Adviser

When it comes to securing finance for a commercial property investment, choosing the right financial adviser can make all the difference in getting the right commercial loan for you. With expert advice and access to a much wider range of lending providers, a financial adviser can help you navigate the complex process of obtaining a suitable loan.

Investment Property Taxation. Are you paying more tax than you need to?

Tax minimisation ensures you pay the correct amount of tax. Nothing more, nothing less. Are you confident you’re paying the right amount of tax on your rental property?