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Five years inside the banks
I’ve spent five years approving and structuring lending from the bank’s side of the desk. That insider view now works entirely for you.
About Vincent
Five years inside the banks. Now on your side of the desk.
Independent, insider-informed lending advice for Kiwis — built on five years approving loans from within New Zealand’s major banks.
Credentials
FSP number
FSP1012855
Operating under FAP
Base Mortgages · FSP1011808
About Vincent
Five years inside the banks. Now on your side of the desk.
Most home‑loan conversations happen in a language borrowers don’t speak. I’ve spent five years inside New Zealand’s major banks — assessing, approving and structuring hundreds of residential loans. I saw exactly why some applications sail through and others quietly die in a queue.
As an independent adviser, I use that insider view to prepare, negotiate and structure lending across the market on your behalf. The result is fewer surprises, better rates, and lending that fits how you actually live — not a template built for the bank’s spreadsheet.
- Qualified in Financial Management — with 5+ years focused on residential lending.
- Worked across several of New Zealand’s major banks in home lending and credit.
- Approved and supported hundreds of applications from the bank side of the desk.
- Now independent — comparing lenders across the market, not selling one bank’s book.
“Mortgages are about people, not just numbers.”
Why choose Vincent
The reasons Kiwis choose to work with me.
Every decision I make on your behalf is guided by one thing: what actually helps you secure the right loan, at the right terms, from the right lender — without stress.
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Whole‑of‑market access
Accreditation with every major NZ bank plus specialist non‑bank lenders. I compare, you choose.
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Free advice, always
You never pay me. The bank pays a commission for arranging your loan — fully disclosed before you sign.
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Straight talk, no jargon
You’ll understand every number and every clause. No pressure, no upsell, no fine print surprises.
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Fast, prepared applications
I package your file the way lenders want to see it, so approvals move quickly and cleanly.
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An adviser for the long term
I review your lending every fixed‑term rollover — your mortgage keeps working long after settlement.
Next step
Let’s have a conversation.
A 30‑minute discovery call to talk through your goals and how I can help.