We provide simple, effective services that leave our clients with more time to do what they do best.
Let us be your go-to for all things business, investments and property. Take a look at our helpful podcasts, webinars, articles, guides and more.
Whether you’re new to property or a seasoned investor, the property market is always changing. That’s why you need experts who understand it inside and out.
Your partner in smarter borrowing
From helping you build your deposit and understanding your borrowing power, to finding the right property and securing the best loan - right through to settlement.
We help investors understand their cashflow and rental yields, find the right properties, and secure the best funding - guiding them through every step of the investment journey.
We help homeowners review their existing mortgage, reduce interest costs, unlock equity, and secure better lending terms that align with their current financial goals.
We help both new and experienced commercial investors secure lending for their first or next commercial property purchase, with expert guidance every step of the way.
We help property investors review their portfolios to identify opportunities for restructuring or refinancing - saving interest, improving cashflow, or unlocking further lending potential.
Michael Vincent
Mortgage Director
Getting the right home loan doesn’t come from choosing the lowest rate — it comes from working with the right lenders, the right structure, and clear advice. Our mortgage advisers compare banks, lending criteria, and loan options to give you straightforward guidance you can rely on.
You only need to complete one application with us, and we’ll take it to multiple banks on your behalf. That means fewer forms to fill out and a smoother process from start to finish.
We talk to the banks on your behalf to help secure better rates and lending terms. You get clearer options and less stress, without needing to manage the back-and-forth yourself.
Share the homes you’re looking at and we’ll help you make sense of them – what fits your budget, what the banks are likely to approve, and what to watch out for before you make an offer.
Our guidance is based on what’s right for you – not any one bank. We compare lenders side by side so you can make informed decisions with a clear understanding of your options.
We have relationships with many bank and non bank lenders, this means we can get the right solution for the right situation.
Have a question? You’ll find answers to some of the most common things our clients ask us. If you need more detail, we’re always happy to chat.
How much you can borrow depends on your income, expenses, deposit, and the banks’ lending criteria. We assess your situation and give you a realistic borrowing range so you can search for property with confidence.
Yes. We prepare your application and submit it to the lenders most likely to approve it. A pre-approval gives you a clear budget and puts you in a stronger position when making an offer.
Yes. If you’re considering a property, we can review it with you to make sure it fits your budget and lending position. We’ll also highlight anything the bank may take into account before approving the loan.
Buying at auction means the purchase is unconditional, so it’s important to have your finance organised beforehand. We’ll make sure your lending is structured and approved so you can bid with confidence.
Yes. We work with the banks on your behalf to negotiate competitive rates, cashback where available, and loan terms that suit your financial goals.
When your fixed rate is coming up for renewal, we review your loan and compare options with your current lender and others if needed. This helps ensure your lending structure and rate remain competitive.
In most cases, no. Our mortgage advice is usually paid for by the lender once your loan settles. We’ll always explain how this works before we begin.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
Simply fill out your details below, and we’ll be in touch. From there, you can expect:
1. A Lighthouse team member will reach out to see which of our services best suits your needs
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right financial solution for you.
