Featured Stage 0: Maximisation Article

Whose side are Mortgage Brokers on?

Wondering if mortgage brokers work for you or the bank? Learn how mortgage brokers in NZ are paid, what they do and how they can help you find the right mortgage.

Zhiyang Cheng,
Commercial Director & Financial Adviser

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Stage 1: Reduction FAQ

What does the advice process look like?

We follow a clear eight-step process from first conversation to long-term partnership: 1. Fact Find: You complete your client profile through our secure online portal. This covers your income, assets, liabilities, goals, and employment — everything we need to assess your full financial position. No printing, no scanning, no back-and-forth emails. 2. Borrowing Summary We take what you’ve shared and prepare a comprehensive borrowing summary — including up-to-date property valuations using bank-level e-Valuations. This gives us a clear, accurate starting point before we sit down together. 3. Strategy Meeting We meet via Google Meet, phone, or face to face — typically 25 to 45 minutes depending on your situation. We walk through your options, answer your questions, and raise things you may not have considered. By the end, you’ll have an initial plan and a clear view of what we’re recommending and why. 4. Proposal We follow up with a written summary of our advice — what we’re recommending, the reasoning behind it, and what happens next. Nothing moves forward until you’re comfortable with the plan. 5. Application Submission Once you’re ready to move, we prepare your file and submit to the right lender. You’ll have a dedicated settlement specialist managing the process alongside your mortgage adviser. 6. Loan Structure Confirmation Before settlement, we hold a focused meeting to lock in the details of your mortgage structure — fixed vs floating splits, revolving credit, offset accounts, interest rate strategy. This is where the plan becomes real. 7. Settlement Legal documents are sent to your solicitor, who reviews and accepts them on your behalf. On settlement day, the bank releases funds and your solicitor distributes them to the relevant parties. You’re in your property. 8. Ongoing Support Settlement is the beginning, not the end. As your fixed terms come up, your situation changes, or you’re ready to make your next move — we’re involved. Reviews, restructures, equity access, and long-term planning. That’s the relationship we’re building.

Stage 0: Maximisation FAQ

Where do I start?

With a conversation. We’ll get a clear picture of your goals, your current financial position, and where you want to go. From there, we can tell you exactly what’s possible and what we’d recommend.