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With 32 years banking & broking experience we'll ensure you get expert financial advice


A Deed of Acknowledgement of Debt is a legal document that acknowledges a debt/loan owed by one party (the debtor/borrower) to another party (the creditor/lender). This document is often used when a debtor and agrees to pay back the debt in a lump sum on the sale of the property.  

The Deed of Acknowledgement of Debt typically includes information such as the names and addresses of both the debtor and the creditor, the amount of the debt, the interest rate and any other terms and conditions of the repayment, and the date and signature of both parties. In most cases the loan is at 0% interest rate with no repayments and repayable on the sale of the property or asset. 

The Deed of Acknowledgement of Debt serves as a legal record of the debt owed and the agreement between the parties for repayment. It can be used as evidence in court if there is a dispute over the debt.

It is important to note that a Deed of Acknowledgement of Debt is a legally binding document, and the debtor is obligated to repay the debt according to the terms and conditions outlined in the document.


Failure to repay the debt as agreed can result in legal action by the creditor to recover the debt.

A Deed of Acknowledge of Debt is a good way protect the debt of the creditor in the case of a separation of the creditor parties.


Here you'll learn how to make a Home Ownership Plan, so you can improve your chances of getting a mortgage to buy your home. If you're a First Home Buyer (FHB) using KiwiSaver or getting help from Bank of Mum and Dad (BOMAD), moving up the property ladder, buying an existing home, new off the plans 'turnkey' or building new with a fixed price build contract - we'll help you plan your home ownership journey and advise you on the do's and don'ts.   


We'll provide advice on how to improve your chances of getting a mortgage. With changes to The Credit Contract and Consumer Finance Act (CCCFA) getting a home loan just got a whole lot harder - we can help you navigate this legislation so it works in your favour.   


Let us deal with the paper work and the mountain of forms that need completing ie. FATCA, Nature & Purpose, AML/CFT. You'll still need to complete an online application and provide supporting documents ie. income, bank statements etc. We'll handle the rest as your time can be better spent looking for the right home for your family.     


We've been writing mortgages for 22 years and have excellent relationships with over 39 banks, non-bank lenders, finance companies and private lenders. These business relationships have been built based on trust and the quality of our mortgage applications we've presented over the years. We will be your best advocate for your mortgage.    

An email from ANZ Bank 

"Hey Steve, 

This is a very simple message from me but I wanted to acknowledge the high standards that you set when you are sending deals to us… the deals you submitted to us went through our pre-screening team 100% clean and none were deferred for further info! This just tells me that the deals you prepared were presented at a high calibre …

Chris Trenuela

ANZ Business Development Manager"


Now that you have a mortgage - our service does not stop there. We provide ongoing advice and support for the life of your loan. Advice of fixed interest rates, loan structure, how it pay it off quicker (saving you tens of thousands of dollars), loan top ups when needed and we will refer to you the right people to protect your life, income and assets. 


Getting the right advice is essential to you achieving your financial goals. You’ll want to know the advice you're getting is the 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 for Essentials of Mortgage Broking with Honours


In 2022 and 2023, Steve achieved an Excelling Outcome a GPA of 7 at Massey University Auckland.

Overall grade of  A-   for Certificate in Financial Advice (Level 5) [Version 2]  


Certificate in Financial Advice (Level 5) [Version 2]  

  • Introduction to Financial Advice grade of  A  and GPA of 8 with unit grades of  A+, A & A-  


  • Essentials of Residential Property Lending Advice grade of  B+  and GPA of 6 with unit grades of A-, A- & B-  


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

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