Helping you succeed in life's financial journey

Mortgages & Loans

Mortgages & Debt Structuring 

Need a great Mortgage Adviser or debt help? Your journey starts here.

Debt comes in all shapes and sizes - some, like mortgages, can be larger and longer term, while others, like credit cards, may be smaller, but can still cost you an arm or a leg in interest. Not all debt is bad though and we’ll help you structure yours to allow as much financial freedom as possible.

Whether you need to free-up cash to cover an emergency, pay off debt faster or find funds for an investment opportunity, we can help you make it happen.

Our mortgage & debt advisory service covers a range of scenarios:

  • Mortgage advice / mortgage broking
  • First home buyers (including KiwiSaver and HomeStart grant applications)
  • Buying a rental property
  • Refinancing
  • Debt consolidation
  • Mortgage rescue - let's help you out of trouble
  • Business loans & structuring
  • Home equity release mortgages
  • How to pay off the mortgage faster
  • + much more

There are loads of benefits to working with a mortgage adviser. We also help you with applications to banks and other financial institutions – because we understand the process and requirements of different lenders, we can maximise your chances of getting the best result. Whatever the plan, it’s about making your money work better for you.

Get started - ask us now!

Great interest rates & terms

With access to a wide range of banks and lenders we are able to secure some excellent rates, and put together a loan that works for your individual situation.

Take control of your debt

We know that debt can sometimes feel overwhelming. No matter what type or how much debt you have, our qualified Advisers will look at your whole financial picture and find out exactly how your debt might be preventing you from achieving your goals.

It might be the case that you need:

  • your debts to be restructured or consolidated
  • to take on more debt in the form of an investment property
  • to change the way you pay your mortgage, etc

We’re here to help you consider options you may not have even known were available to you.

We can also help you with in-depth Financial Planning to quickly turn your debt situation around, and achieve your money goals in a positive way.

Getting real about your debt and how much it’s costing you is the first step. Then together, we’ll make a realistic, workable plan to manage your money and make it work for you, instead of you being a slave to it.

With our help you can take control of your debt and create a more positive financial future. Look at us as your debt manager. It’s one less thing for you to worry about.

Talk to us now! 

Our fees

Our standard Mortgage Advisory service is provided free of charge as we are remunerated (paid) by the banks, but we also provide specialised services and advice for non-conforming, credit-impaired, business and complex cases. After our free initial no-obligation consultation, we will advise you if a fee may need to be charged before we undertake any work. In many cases we may find a simple solution for you. 

A disclosure statement is available, on request and free of charge.

Talk to our advisers today

Steve Davies, Mortgage Adviser - Napier/Hastings/CHB/Auckland

Ian Fraser, Mortgage & Insurance Adviser - Napier/Hastings/CHB

Tania Heighway, Mortgage & Insurance Adviser - Wairoa & Gisborne

Mike Murray, Director | Authorised Financial Adviser

NZ Money Mortgage Advice Broker Hawkes Bay Hastings Napier

Why work with us?

We understand the effect debt can have on your financial health, and have knowledge of, and access to, different lenders, all in one location. We look at your debt in context of your entire financial health.

What does that mean for you?

You won't waste your precious time unsuccessfully filling in applications, some of which may be rejected or get you into more bad debt. We'll work with you to consolidate your debts, help you prepare strong applications for loans or mortgages and ensure you're getting a fair deal, all while working toward your financial goals.


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Relationships with all major lenders

ANZ Bank
Westpac New Zealand
ASB Bank
Resimac New Zealand Home Loans
Sovereign Home Loans
NZCU Baywide
Bluestone Mortgages
Liberty Financial

"Steve Davies has been my Mortgage Broker for over 5 years and in that time purchased a number of properties and a business, all of which Steve arranged the finance for. I have also referred Steve to many friends who have been thrilled by Steve getting them the finance to buy a home or investment property. I myself have had some very complex lending situations and Steve miraculously gets the finance. I have found Steve to be extremely helpful, knowledgeable, influential with the banks, prompt and simply a great person to deal with whom has your best interests at heart. I would highly recommend Steve to anyone wanting to buy or refinance property." (abridged)

- Dave

"Officially home owners today for the first time... after years of paying rent and multiple times moving house. 
We now have the keys to our first home. We couldn't have done it without Tania Heighway helping us every step of the way. Thank you so much for helping us make our dream a reality."

- Amy

"I found buying my first home very stressful! Steve was very supportive and patient. He was very thorough with all aspects of the mortgage and my purchase. He gave great advice and made sure I had checked everything and was happy. He always followed up any questions I had and helped a lot!"

- Jackie

"This is the second time we have used Steve. We have always found him professional and courteous. He goes the extra mile for us."

- Brent & Jennifer

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