A warm New Zealand home at golden hour
Mortgages

Whatever stage you're at, there's a path forward.

From first-home nerves to investment strategy and refinances — Donna works alongside you, compares the major banks, and turns lending decisions into clear, considered steps.

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What I help with

Five stages, one adviser.

Every home story is different. Whether you're saving your first deposit or restructuring an investment portfolio, the conversation starts the same way — with a listen, and a plan.

01 — Starting out

First Home Buyers

Turning KiwiSaver, deposits and lending criteria into a clear, calm plan. I'll answer the questions you didn't know to ask — with your best interests at heart.

  • KiwiSaver first-home withdrawal
  • First Home Loan (5% deposit) eligibility
  • Pre-approval so you can offer with confidence
01
02 — Building

Build a New Home

Can't find the house you want, so you're thinking of building or renovating? Turnkey, progress payment, and construction lending all work differently — I'll walk you through it.

  • Turnkey vs progress-payment lending
  • 20% deposit exemption on new builds
  • Fixed-price contract reviews
02
03 — Investing

Rental Property

You probably have many questions regarding getting a mortgage for a rental property. I'll help you structure lending for long-term growth without cross-collateralising away your options.

  • Investor deposit rules explained
  • Interest-only vs P&I strategy
  • Portfolio structuring & top-ups
03
04 — Growing

Selling & Buying a New Home

Buying your first home is exciting — but eventually you'll want more room, a better street, or a bigger kitchen. I'll help you bridge the gap between selling and settling.

  • Bridging finance options
  • Timing sale vs settlement dates
  • Restructuring existing lending
04
05 — Reviewing

Refinance your Mortgage

Refinancing can be as simple as replacing your current loan, or restructuring to pay it off faster. I'll shop the market and negotiate cash contributions on your behalf.

  • Rate review across all major banks
  • Cash contribution negotiation
  • Structure changes to pay off sooner
05
How it works

A calm three-step rhythm.

01

Talk

A 20-minute call to hear where you're at and what you're hoping for. No cost, no pressure.

02

Plan

I gather the numbers, compare the banks, and lay out your realistic options in plain English.

03

Progress

From application to settlement, I handle the paperwork and negotiate on your behalf.

Not sure where you fit?

Most conversations start the same way — a chat about what you're thinking, and what's actually possible. Let's figure it out together.

Book your free chat

Already own a home? Read the guide to using equity to buy a second home →

Thinking about selling within a couple of years? Read the bright-line property rule guide →