Asian Mortgage Advisers
The journey to homeownership comes with enough challenges without adding communication barriers to the mix. You shouldn’t have to struggle to explain your financial situation in a second language or work with someone who doesn’t understand how your overseas income, family support, or cultural background fits into the New Zealand lending landscape.
Looking for Chinese, Filipino, or Indian mortgage brokers (or ‘mortgage advisers’)? Whether you’re searching for a mortgage broker in East Auckland or anywhere across the region, let’s discuss your home ownership goals in your own language. Contact Innovest to book a free, no-obligation consultation today.
Why Work with Our Mortgage Advisers?
Financial terminology is complex enough in your first language, let alone trying to navigate mortgage jargon, insurance policies, and legal documents. Our Asian mortgage advisers conduct consultations in your preferred language, whether that’s Mandarin, Cantonese, Hindi, Tagalog, or Malay.
Whether you’re working with our financial advisers on the North Shore or other areas of Auckland, we ensure that you understand every aspect of your mortgage agreement before signing anything.
Our advisers don’t just understand your language; we understand context, too. Many of us have personally navigated the transition from temporary work visas to residency, dealt with the challenges of establishing credit history in a new country, and worked through the complexities of having income sources from multiple countries.
When you choose an adviser who understands your needs and where you want to go, you’re getting a partner in building your future in New Zealand together.
Our Mortgage Adviser Services
Our West Auckland mortgage advisers offer a comprehensive range of services designed to meet you wherever you are in life, whether you’re taking your first step onto the property ladder or expanding an established investment portfolio.
First Home Buyers
Buying your first home in New Zealand is an exciting milestone, but it can feel overwhelming when you’re navigating an unfamiliar property market.
Our specialists take the time to explain every step of the process in your language. We’ll help you determine whether you’re eligible for the First Home Loan scheme, show you how to use your KiwiSaver towards your deposit, and explain the differences between fixed and floating interest rates in terms that make sense.
Second Home Buying
Buying a second home comes with different considerations than your first purchase. We help you navigate the bridging finance options if you need to buy before selling your current property, explore renovation lending if your new home needs improvements, or structure your loans efficiently if you’re planning to keep your first property as an investment while moving into a newer home.
Investment Property Lending
Our investment property specialists help you assess whether you’re ready to become a property investor, calculate potential rental yields, understand cash flow requirements, and structure your lending to maximise tax efficiency.
We share long-term perspectives and help you make investment decisions that align with your wealth-building goals, rather than chasing short-term gains.
Refinancing
Switching your existing mortgage to a new lender or restructuring your current loan can save you thousands of dollars in interest or simplify your finances by consolidating debt.
Our advisers conduct a thorough review of your current mortgage arrangements to identify opportunities for improvement. We also handle the paperwork, negotiate with lenders on your behalf, and make the switching process as seamless as possible.
Frequently Asked Questions
Our diverse team of mortgage advisers speak multiple Asian languages, including Mandarin, Hokkien, Tagalog, Hindi, Bahasa Malaysia, English, and even French. Just browse through our advisers here and find the one that speaks your language.
Unfortunately, your credit history from other countries will not automatically transfer to New Zealand. This can feel frustrating, especially if you’ve spent years building a strong credit profile in your home country. However, we can work around this.
Without a formal credit score, lenders will look at your New Zealand bank statements, savings patterns, employment history, and how you've managed any accounts you have here. Regular saving, avoiding overdrafts, and maintaining a steady income demonstrate financial responsibility.
Our advisers also know how to present your application in the strongest possible light, helping you secure what you need. Whether you’re based in Auckland or need a financial adviser in Hamilton, we understand the unique challenges migrants face when establishing credit in New Zealand.
You might hear the terms “mortgage broker” and “mortgage adviser” used interchangeably, as they often refer to the same role—a professional who helps you find and secure a home loan.
If you’ve come from overseas, you might be more familiar with searching for a “Filipino mortgage broker” or “Malaysian mortgage broker”, for example. You’re looking for the same professional service, just using the terminology that’s common in your home country.
At Innovest, we provide exactly the professional mortgage brokering service you’re looking for. Get expert guidance, access to multiple lenders, and support in your own language throughout your home-buying or refinancing journey.