Reserve Bank of NZ · Central Bank of Ireland · Guardian Smith
Strategic Expertise. Simplified.
I bring 12 years of central banking experience to every mortgage conversation. You get clear, well-reasoned advice, not just a rate comparison.
Most advisers hand you a table of rates. I look at the full picture: your situation, the lender landscape, and where the market is heading, and give you a recommendation that holds up over time.
After 12 years inside the Reserve Bank and the Central Bank of Ireland, I understand how these systems work at a level most advisers simply don't have access to.
Pre-approval strategy and lender selection, so your first mortgage is set up right from the start.
A full audit of your current structure against the market. You might be surprised what's possible.
Portfolio structuring and lender selection for investors navigating a more complex credit environment.
Progressive draw structures and lender selection for new builds. One of the most complex transactions in residential lending.
Self-employed, commission-based, or recently arrived in NZ. I know which lenders will work with your situation.
Fix, float, or split? I apply genuine market analysis to your rate decisions, not guesswork.
Jennifer was amazing. She took away the headache of the whole process and made it so easy.
Fantastic to work with and super efficient. Even when we were making things complicated, she handled everything with patience and professionalism.
I spent 12 years in central banking, nine at the Reserve Bank of New Zealand and time at the Central Bank of Ireland. I worked in specialist data roles, managing and analysing the financial data reported by banks and non-bank lenders that feeds into monetary policy and financial stability decisions.
That included front-line monitoring of LVR and DTI policy. I understand these frameworks from the inside.
I'm a registered Financial Adviser under the Financial Markets Conduct Act, working under the Guardian Smith and NZ Financial Services Group licence.
Work with me
Fill out the form and I'll be in touch to arrange a 15-minute conversation. No obligation.