Helping you gain momentum in your property journey.
Practical, honest, and impartial advice — from first home to full portfolio.
How we can help you
Whether you're taking your first step or your tenth, we bring the expertise to get you there.
First Home Buyers
Navigate the buying process with confidence. We help you understand your borrowing power, find the right loan, and make your first home a reality.
Investment Properties
Growing a portfolio takes smart structuring. We help you leverage equity, assess each opportunity, and build long-term wealth through property.
Commercial Property
Commercial lending requires specialist knowledge. We package your application precisely — handling every detail so you don't have to.
KiwiSaver Reviews
Your KiwiSaver is one of your most important assets. We review your fund type, contribution rate, and provider to ensure your retirement savings are working as hard as possible for you.
What our clients say
"Mo, Olga, and the team are more than just mortgage advisers — they're a top-tier, well-oiled machine. From their patience in answering countless questions to running the numbers and assessing affordability, they provide a seamless service from application through to settlement."
"My partner and I are incredibly happy with the support we received. They are extremely responsive, proactive, and organised. Buying a home can be a hectic process, but Mo and Olga made everything feel smooth and manageable. We felt very well looked after throughout."
"I've used Mo and Olga for a bunch of property purchases over the years and honestly couldn't recommend them enough. They always make the process simple, get me great deals, and actually care about helping me hit my goals. We've grown our portfolio way more than we thought possible. 10/10!"
★ 5.0 average on Google Reviews · Read all reviews
The people behind your journey
Mo Olckers
Director & Mortgage Adviser
With extensive lending experience and years at a major bank, Mo has the inside knowledge to get you the best outcome.
Olga Zaruchevskaya
Mortgage Adviser
Dedicated to finding the right lending solution for every client's unique circumstances, with expertise and genuine care.
From the blog
If I pay fortnightly instead of monthly, will I pay off my mortgage faster?
Yes — but the reason might surprise you. It's not because fortnightly payments are inherently smarter. It's pure maths.
Why doesn't my adviser get me a better rate than going to the bank directly?
This comes up a lot, and it's a fair question. The answer is a little more nuanced than people expect.
Understanding your home loan options — and which one actually suits you
Most people pick a home loan the way they pick a phone plan. But the type of loan you're on can make a bigger difference than the rate itself.