When the bank says no, we find the way it says yes.
One independent team for your mortgage, insurance and KiwiSaver — including the deals the banks won't 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.
Explore mortgages →Non-bank & specialist lending
Self-employed, adverse credit, complex income — the deals the banks won't touch, we often can.
See if we can help →Life & health insurance
Life, health, income and trauma cover — structured to actually pay out when life turns.
Explore insurance →KiwiSaver advice
The right fund, properly reviewed — for retirement, your first home, or growing what you have.
Explore KiwiSaver →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 high-street banks won't. Tell us the situation; we'll tell you honestly what's possible.
Talk through your situation →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.
A whole-of-market panel — not one lender's products.
No jargon. You'll understand every recommendation.
Lending, cover and KiwiSaver considered together.
We review as your life changes — not just at the start.
Four steps. No obligation.
Talk
A relaxed conversation about where you're headed.
Plan
We map the market and recommend what genuinely fits.
Arrange
We handle the lenders and paperwork for you.
Review
We stay in your corner as life moves on.
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 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.”
Let's talk about your next move.
Tell us where you're at. We'll listen first, then tell you honestly whether — and how — we can help. No obligation, ever.
Request a callback
No obligation. We usually reply within one working day.