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Mortgage · Insurance · KiwiSaver · Specialist lending

One team for your whole financial picture: mortgages, insurance, KiwiSaver and specialist lending.

One independent team for your mortgage, insurance and KiwiSaver, including the deals the banks won't do.

Licensed Financial Advice Provider (FSP1011992)Christchurch based, working NZ-wide

What we do

Four specialties. One team that joins them up.

Mortgages & home loans

First homes, refinances and next moves, matched to the life you're actually building.

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Where we differ

Non-bank & specialist lending

Self-employed, adverse credit, complex income. Where the banks won't go, we often can.

See if we can help →

Life & health insurance

Life, health, income and trauma cover, structured around the way you actually live.

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KiwiSaver advice

The right fund, properly reviewed, for retirement, your first home, or growing what you have.

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Especially when it's not straightforward

Life isn't a tick-box. Good advice shouldn't be either.

Plenty of people come to us after a bank's “computer says no”. Because we're independent and work with non-bank and specialist lenders, we can often find a way forward when the main banks won't. Tell us the situation; we'll tell you honestly what's possible.

Talk through your situation →
The bank already said no
Self-employed or contracting
Recently separated or divorced
Adverse or thin credit history
New to New Zealand
Consolidating or refinancing debt
Why 4D

Advice that answers to you.

We're independent and whole-of-market. No single-bank shelf, no quotas. Just a recommendation built around your situation, explained until it makes sense.

Independent

A whole-of-market panel, not one lender's products.

Plain-spoken

No jargon. You'll understand every recommendation.

Whole picture

Lending, cover and KiwiSaver considered together.

Ongoing

We review as your life changes, not just at the start.

How it works

Four steps. No obligation.

01

Talk

A relaxed conversation about where you're headed.

02

Plan

We map the market and recommend what genuinely fits.

03

Arrange

We handle the lenders and paperwork for you.

04

Review

We stay in your corner as life moves on.

The people behind the advice

Real people. Real conversations.

You'll deal with the same adviser from first call to settlement, someone who learns your situation and stays in your corner.

Addison Dale
Addison Dale
Director & Financial Adviser
FSP777157
Yumeng Liu
Mortgage Support
Client stories
Addison helped us with our very complex mortgage situation and made the process really easy for us. We loved that his services included insurance and KiwiSaver planning, so we could keep all our financial needs under one roof. The team are always so welcoming, and he has gone over and above for us a number of times when the banks were being difficult.
Mike Baker
Mortgage, insurance & KiwiSaver client

Let's talk about your next move.

Tell us where you're at. We'll listen first, then tell you honestly whether we can help, and how. No obligation, ever.

Call 021 540 274 Licensed Financial Advice Provider · FSP1011992

Request a callback

No obligation, and your details stay between us. We usually call back the same working day.

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