Home ownership
simplified for you
See how much you can borrow TODAY
For most, my services are absolutely FREE*
Why use Richard?
With 30 years in finance, I know the difference the right mortgage advice can make — it can literally save you tens of thousands of dollars. That’s why I don’t just get you approved — I stay in your corner for the long haul:
✔ Lifetime mortgage advice
✔ Personalised repayment plans
✔ Personalised home-buying roadmap
✔ Property reports on homes of interest
Homeloans without the drama
Buying your first home?
Get all of the info you're looking for in one place:
☑️ Can you afford a house
☑️ Mortgage calculator tool
☑️ Free 1st Home Buyers Guide
First home buyers guide free download
Not ready to chat yet? Get a head start with my free first home buyers guide. Enter your email to receive it and start planning with confidence.
No commitments
•
No hidden fees
•
Free for almost everyone*
•
No commitments • No hidden fees • Free for almost everyone* •
The 5 stages of getting a home loan
Speed up your home loan journey with my 30 years of financial experience.
1. Consultation
Meeting to discuss your financial goals, budget, and borrowing options to understand what’s best for you.
2. Pre-Approval
I gather your financial info & submit it to the banks for a conditional approval, so you know your borrowing capacity.
3. Application
Once you've found a property, I finalize the loan application, collecting all documents and working with the bank.
4. Approval
The bank reviews and officially approves the loan, confirming all conditions and requirements are met.
5. Settlement
The final step is where funds are transferred, and ownership of the property is officially transferred to you.
95%
Home loan
approval rate
1 week
Average loan approval time
100’s
Of happy clients
Benefits you receive when working with Richard
Lifetime mortgage advice
With every mortgage renewal, I’ll be there to fine-tune your structure, helping you pay off your home loan sooner
Personalised repayment plans
Helping you understand your cashflow so we can optimize your mortgage repayments
Property reports on homes of interest
All the property details you need to make a sound purchasing decision
Personalised home buying roadmap
So you know exactly what you need and when, helping you get into your new home faster
Working with NZ’s top banks
My services
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Ready to buy your dream home? I'll guide you through every step, ensuring you find the best mortgage with competitive rates and flexible options that fit your lifestyle and financial goals. Whether you’re a first home buyer or upgrading to your next property, I’ll make the process simple and stress-free.
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Looking to invest in property? I’ll help you secure an investment mortgage or home loan that maximizes your returns and aligns with your financial goals for a smooth property investment experience.
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Whether a holiday home or an upgrade, purchasing a second property is a big step. I'll work to make the financing easy, so you can focus on enjoying your new place.
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Want to ensure you’re getting the best deal? Lets assess your current mortgage and explore options to save you money, making switching to a new bank stress-free if needed.
Find out how much
you can borrow TODAY
No matter where you are in your home‑buying journey, I can help. Talking to me is free.
Commonly asked questions about mortgage brokers
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A mortgage advisor connects you with lenders, comparing loan options to find the best fit for your financial goals. They handle the application process, negotiate terms, and guide you every step of the way, saving you time and helping secure competitive rates.
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Mortgage advisors are usually paid a commission by the lender when your loan is finalized. This means their service is typically free for you, as lenders (the banks) cover the cost.
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Yes, mortgage advisors have access to a wide range of lenders and can often secure better rates by comparing options and negotiating on your behalf. Their expertise helps you find competitive rates that suit your financial situation.
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Yes, a mortgage advisor streamlines the process by managing paperwork, coordinating with lenders, and handling details, often making it faster and easier than going directly to a bank.
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Yes, a mortgage advisor can help you find lenders who work with bad credit and advise on steps to improve your chances. They’ll explore tailored options to help you secure a loan despite credit challenges.
Striking a good work-life balance
