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Steve McGowan CertFinAdvice is a Licensed Financial Adviser (FSP79541) under ADVOCO Mortgages & Insurance Limited the Licensed Financial Advice Provider (FAP) and regulated by the Financial Markets Authority (FMA) to provide advice on mortgages. (FSP770533)

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Steve started working with numbers and handling cash for customers at age 11 at his parents retail shop. He then started a career at ANZ Bank from High School in 1985 - after 10 years of banking he learned the inner workings of corporate banking from ledgers, teller, international, forex trading, exports & imports and lending.


After leaving the bank he worked for a publishing, advertising and marketing company for 6 years before returning to finance in 2001.  Steve quickly became a senior broker of the company, which became one of New Zealand's larger residential and commercial mortgage broking businesses.

With his 10 years banking experience and a further 22 years experience as a mortgage broker/adviser, Steve has been there and has the know-how to help you, whether you are a first home buyer, second home buyer, investor, developer or business operator.

Steve soon became an expert in the hard to place home loans; mortgagee sales and clients in mortgage arrears or with credit impairment. It's because of this ability to find the best solution for a client's home loan many of Steve's clients refer their friends, family and business associates to him - see their testimonials.


Getting the right advice is essential to you achieving your financial goals. You’ll want to know the advice you're getting is from an Adviser who knows his financial products and service offering.  


Steve has been a Mortgage Adviser since 2001. In 2003, his first exam through AdviserLink he passed the Certificate in Essentials of Mortgage Broking with Honours


In 2023, Steve achieved an Excelling Outcome a GPA of 7 at Massey University Auckland with an overall grade of

A-   for Certificate in Financial Advice (CertFinAdvice)  


You can be assured Steve will provide you with excellent advice and be your home loan advocate. 

Steve Uncovers Dubious 'Buy Back' Mortgage Schemes
But that's only a small part of Steve's impressive resumé. Steve's ongoing commitment to doing what is best for people was recognised when Steve was publicly acknowledged and thanked by Kevin Milne of TV One's Fair Go program for helping families who were caught up in questionable "buy back" schemes. With the investigative nous of Simon Mercep, all five families had their homes returned to them, thanks to the help of Steve.

Steve is a dedicated family man married to Joanne since 2000, with three adult children living on Auckland's, Hibiscus Coast. From a spectator view Steve enjoys; V8 Super Cars and UFC. He stays active as a Black Belt in Brazilian Jiu-Jitsu at Coast Academy BJJ, fishing (on his brother's boat) and spending time with his family.


In short, Steve intimately understands the trials and tribulations of finding the right property, arranging the finance and then building or renovating before you move in – because he's done it himself, not only for his family, but for thousands of other Kiwi families as well. 

Doing the 'hard to place home loans' is Steve's passion by helping people arrange or restructure their home loans so they can achieve their dreams. He enjoys meeting with clients to discuss ways to help out in these challenging times, especially reducing debt so that you become debt free. Steve prides himself on discovering solutions that seemed impossible to the banks or other mortgage brokers.


Let Steve be your advocate for your mortgage 


Apply Now on our Secure Online Portal 

mobile: 021 675 939

phone: 09-212 9976

freephone: 0800 238 626 (0800 ADVOCO)  

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