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.
Vinit Sangwan
With a disciplined upbringing and strong work ethic, Vinit specialises in mortgage lending and risk insurance. He’s spent his entire financial career at Innovest, helping first home buyers and investors alike. Fluent in English and Hindi, and conversational in several other Indian languages, Vinit takes pride in tailoring solutions that work. Off the clock, he enjoys sports, travel, and time with family and friends.
Randy Lo
With over 13 years of experience, Randy specialises in insurance and mortgage solutions tailored to individual goals. Fluent in English, Mandarin, Cantonese, and Malay, he’s all about helping clients make smart, confident financial choices. When not advising his clients, Randy is off exploring new places—a hobby that keeps him inspired and grounded in his work.
Reviews
We had the pleasure of working with Randy and Jonathan as first-time home buyers as well us for our insurances, and we couldn’t be more grateful for their exceptional service. From the very beginning, Randy was incredibly helpful, patient, and always happy to explain things in detail. As we were unfamiliar with the process, his guidance made all the difference. Randy, our finance adviser, was thorough and professional, while his PA, Jonathan, was always on top of things and ensured everything ran smoothly. They were always on time, responsive, and available whenever we needed assistance. No matter the question or concern, they were quick to help and made sure we felt supported every step of the way. Thanks to their dedication and expertise, our home-buying experience was stress-free and enjoyable. We highly recommend Randy and Jonathan to anyone looking for a reliable and knowledgeable team.
I worked with Randy Lo, a financial advisor of INNOVEST. Randy helped me with buying two properties in the last two years, and he always delivers excellent services as well as valuable advices. He's very responsive to questions and requests, with knowlegable answers and solutions. I am very happy with Randy's services and would highly recommends him. Updared on 01/11/2024: Randy just helped me with my third house. Awesome
Randy and the team were great. As a first home buyer I had a lot of questions and Randy always helpful and informative.
Danny Yong
As the founder of INNOVEST with nearly 20 years experience in the industry, Danny still loves what he does! Passionate about helping people make smart, confident choices in mortgages, loans, and insurances. He’s fluent in English, Hokkien, Malay and works with clients from all corners of New Zealand (thanks to Teams and trusty Wi-Fi!). Danny’s known for being easy to talk to and genuinely focused on what matters to his clients. Danny’s secret to staying sharp? Coffee, sunshine and travel adventures with the family. That's how he rolls!
Reviews
We greatly appreciate the consistent communication, support and follow up we have been receiving from Innovest for almost 10 years now. Ever since we have been with them, they have supported us through out our journey buying our first home and around our family Insurance cover policies. We are so glad to have had the guidance of Danny through out the years with the help of Jo. It is with utmost gratitude that we got our Partners Protection Plan - amongst others covered in our insurance policy. This decision is life saving after I had and survived my stroke. The benefits we have received is truly helping support me and my family. We are all recuperating from this life changing event with less worries and anxiety. I feel safe having assurance my family and myself are going to be alright until I get back to working again. Thank you so much Innovest, Danny and team. God bless and continue the good work that you bring, making a huge significance in the lives of others if not their families.
I have been with Innovest since Danny started this business. The service is absolutely fantastic and tailored to suit individual needs and they have some good recommendations and suggestions on how to get the best outcomes for your family. A very switched on team that works for you and grows with you.
Awesome service! Danny knows exactly what you need to do to save money on your mortgage. I'm glad that I got to know Innovest and its service. I highly recommend to anyone who's planning to buy a new house.
Rachel Lee
Rachel combines 30 years of international client service experience with a sharp focus on KiwiSaver and mortgage support. She’s passionate about helping clients optimise their retirement savings and is a valued support to Innovest’s mortgage team. Fluent in English, Mandarin, and Bahasa Malaysia, Rachel is a seafood enthusiast and drama binge-watcher with big plans to see the world.
Reviews
I am grateful for the exceptional service provided by Rachel Lee and the Innovest team. Rachel is a knowledgeable and supportive adviser who consistently offers insightful advice and guidance for my KiwiSaver. Her patience and understanding of my unique needs have been impressive, and her recommendations have helped me make progress towards my retirement aspirations. I highly recommend Innovest to my friends and acquaintances.
Rachel was fantastic in helping me sort out my KiwiSaver. She explained everything clearly, took the time to understand my goals, and made sure I was in the right fund for my situation. She’s friendly, knowledgeable, and genuinely cares about helping people build a better financial future. I really appreciate her support and highly recommend her!
Excellent service from Rachel of Innovest for our Kiwisaver! Very friendly and accommodating! All questions were answered and she’s really willing to help! Highly recommended! Cheers!
Sharon Chew
With a background in accounting and finance and with over 20 years as a business owner, Sharon offers calm, clear KiwiSaver guidance. She speaks English and Malay and loves connecting over coffee. Whether she’s helping clients plan for retirement or enjoying a walk, Sharon brings warmth, reliability, and a passion for supporting others’ financial futures.
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Sharon Chew is such an awesome adviser, she has explained everything about our KiwiSaver, she answers all our questions promptly and always gets back to us on all the latest updates. Thank you very much Sharon! will definitely recommend Innovest to my friends.
Good company and good service provided, especially by financial adviser Sharon Chew. Highly recommended. A++++
Thanks to Sharon Chew for being so helpful in the process. Very approachable and take her time in answering queries. We are happy switching to generate.
Rex Gannaban
With a healthcare background and more than 7 years in financial advice, Rex blends empathy with expertise. He specialises in mortgages, personal loans, and insurance, and is fluent in English and Tagalog. Formerly the reserved type, he’s now beloved by his clients for his genuine, friendly approach and clear communication. When not helping clients, you’ll find Rex smashing birdies on the badminton court or bonding with his dog Kiko.
Reviews
A huge thank you to the team at Innovest, especially Rex Gannaban, for helping us through our home journey. Rex was super easy to work with—always approachable, quick to respond, and genuinely helpful. The whole process felt way less stressful thanks to his guidance and clear advice. We really appreciated having someone in our corner who knew the ins and outs and made sure everything stayed on track. Highly recommend Rex if you're looking for a reliable, down-to-earth mortgage broker!
Adrianne Aban
With over 13 years of experience across the banking, insurance, and accounting sectors. Holding a double degree in Commerce and Accounting, and previously worked with leading industry names like IAG and Westpac, I specialise in delivering tailored Mortgage and Insurance solutions that help clients secure their financial future.
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Manish Thapa
With over 13 years of experience across the banking, insurance, and accounting sectors. Holding a double degree in Commerce and Accounting, and previously worked with leading industry names like IAG and Westpac, I specialise in delivering tailored Mortgage and Insurance solutions that help clients secure their financial future.
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Romalyn Buking
With a background in accounting, Roma brings a unique analytical lens to her work as a mortgage adviser. She’s also a small business owner with a sharp focus on customer service and smart lending solutions. Originally from the Philippines and now based in South Auckland, Roma is fluent in English and Filipino—and has a need for speed when it comes to Formula 1.
Reviews
I am writing to express my sincere appreciation for the excellent assistance provided by Roma and Sharmaine during our recent home loan refinancing application. Roma was particularly helpful throughout the entire process. She patiently guided us, presented well-researched options, and clearly demonstrated a strong understanding of our needs. We especially appreciated her patience in addressing all of our questions and concerns. Based on our positive experience, we would highly recommend Roma for her outstanding service and expertise.
Our home-buying journey was smooth and stress-free, thanks to the incredible support of Romalyn Buking. Despite being relatively new to her role, she proved to be an outstanding broker. Romalyn was highly responsive to all our inquiries, always ensuring she provided accurate and thoughtful answers. Her professionalism was impressive, and we wouldn’t hesitate to recommend her to any friends planning to purchase a home. Thank you so much, Romalyn, for helping us achieve our dream of owning the perfect home. Cheers and blessings to you!
Sush Nanda
Based in the Waikato and serving clients across Te Awamutu and beyond, Sushmita is passionate about making finance feel less complicated. Whether it's navigating a mortgage or getting the right insurance in place, the focus is always on helping families feel confident about their financial future.
Fluent in English and Hindi, and available online for clients anywhere in New Zealand, Sushmita's approach is straightforward: listen first, then find solutions that actually fit. When not talking finance, you'll find her enjoying family time, exploring new places, and — ideally — a strong coffee in hand.
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Anita Pandey
Anita blends financial expertise with deep community roots. She holds degrees in finance and accounting from both Nepal and New Zealand, with over 10 years of experience in sales and coaching. Fluent in English and Nepali, Anita is passionate about helping people succeed -whether it’s through smart mortgage advice or volunteer work in the Nepalese community. She also has a soft spot for heist series and cultural exchange.
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.