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


Legal advice is guidance or recommendations provided by a qualified legal professional, such as a lawyer or a solicitor, on matters related to the law. Legal advice can cover a wide range of issues, including personal matters such as family law or estate planning, Wills and Enduring Power of Attorney, as well as business matters such as contracts or intellectual property.

Legal advice can help individuals or businesses understand their legal rights and obligations, as well as the potential risks and consequences of various actions. Legal advice can also help individuals or businesses navigate complex legal processes, such as litigation or dispute resolution.

It is important to seek legal advice from a qualified professional, as the law can be complex and subject to change. Legal advice can also help to ensure that all legal requirements and procedures are followed properly, reducing the risk of legal disputes or penalties.

When seeking legal advice, it is important to choose a lawyer or solicitor who is experienced in the specific area of law relevant to the matter at hand. It is also important to be open and honest with the legal professional, providing all relevant information and documentation to ensure that they can provide the best possible guidance.


Finally, it is important to understand the potential costs and fees associated with legal advice, and to agree on these in advance to avoid any surprises or misunderstandings.


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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