Getting you a better home loan

Home loans may seem all the same on the surface but they aren’t. A recent client worked with us to restructure their home loan, which will now be paid off 6 years faster. Would you like to be debt free faster? Whether it’s your first home or you’re looking to refinance – get advice from someone who has lent over a Billion Dollars.

Is the bank the best place to go?

Should I go with a non-bank lender or a major bank?

How long should I fix my loans for?

Can I actually pay my home loan off quicker?

Is it worth reviewing my home loan with an adviser?

Many questions to answer, right!

You’re not alone. I promise we get these all the time. 

Having worked in the industry for 31 years and written over a Billion dollars of loans, I have heard all these questions and many more that you may not have even thought about. 

I always say – It’s not the rate you pay, it’s the rate you can pay off that matters.

No one wants a home loan for 1 day more than they need it. My goal is to help you – my client – get debt-free faster. The New Zealand dream is to own a house, not to just live in one the bank owns forever. 

We work with 4 types of home loans holders. 

First home buyer – Starting on the property ladder.

The Bank Said No – We have lenders who might say yes or can help you with what to do next.

Property Investment – Whether you like it or not, it is still the best investment in New Zealand. The sooner you are in, the sooner you can grow a portfolio.

Want A Better Deal? – You don’t know what you don’t know. Each bank is different, each home loan is different. Get advice that could be worth $10,000’s of dollars to you in the long run.

A Better Home Loan For You

A couple came to me. They applied for a home loan with two different banks and both turned them down.

They had never applied for a home loan before, and as you can imagine their hearts sank when they were told ‘No’.

After spending some time understanding where they were in life, we were able to put a plan in place to reset their finances.

Within 3 months, we were able to get their home loan approved by a lender to start them on the ladder.

I will be working with them for the next few years to help them sure up their financial future, but this win really made my day & theirs.

I love helping people succeed.

Ready to discover if Keith & the team can help you?

Our initial conversation is short and sweet. I know your time is valuable (like mine) and we will quickly decide if I can help you on your journey to success. At the end of the call, we will either start our 5 process or I will point you in the right direction.

Happy Clients

Wow what an awesome home loan you got for me, never thought it would be that simple; you did everything for me after I gave you all my details and information. Thanks so much Keith, you made what I thought was going to be tough, really easy.
D. Allen


I would highly recommend Keith's services to anyone looking at purchasing property and found him to be personable, friendly and extremely professional. Keith managed all of my affairs in a highly efficient manner and he always made himself available to answer questions and provide further advice when asked. The entire process was stress-free and I now happily own my first property, all without any undue hassles, thanks to Keith.

I would therefore happily recommend Keith's services and could not have asked for a more professional and knowledgeable broker to act on my behalf.
Kylie B.


Many thanks for the emailed detail and information, yet another example of the great service from Keith and his office. I will have no hesitation in recommending Keith to friends and family. Many Thanks
M. Hope

Te Atatu

The next step, to peace of mind…

Every client we talk to is different. Different challenges & different dreams. Take advantage of our FREE no-obligation Discovery Session. We will have a good comprehensive chat to address your specific needs and goals.

We will cover several points including:

  • What debt structure will pay any loans or mortgages off the fastest.
  • How to plan for a thriving retirement, not just a surviving retirement.
  • Making sure you have the key downsides covered (that does not always mean insurance).
  • Discuss what your legacy could look like.
  • Answer any questions that have been weighing on your mind.

Keith will conduct the sessions (15 minute & 1 hour sessions), which are normally valued at $200. However, we are offering the sessions FREE to people that are serious about wanting to get the best out of their finances.

These are no-obligation sessions. If we can help you it could change your life for the better - if not you will walk away being more informed.

Keith Kerr, A future member of your team

Keith started life fascinated by how wealth worked. From an early age, he dove into books like ‘Think and Grow Rich’ and ‘Rich Dad, Poor Dad’, learning what it took to create wealth.

Over the last 31 years, he has refined his process and not just helped people get into their first home or pay down their home loan quicker.

He realised people had to manage debt smartly, protect the downside and plan for the long run - early.

Frequently asked questions

Where are you based & do you work with people all over New Zealand?
We are based on Auckland’s, North Shore but work with clients across New Zealand using Zoom Conferences. Whether you are in Bluff or down the road - we can help.
What if I already have a home loan, insurance or a retirement scheme with a bank?
That is 100% fine - We are able to to assess what you have already and see if it fits your overall needs. We can also make sure what you think you have is correct. We read the fine print to help you get a better understanding.
Why should I trust you?
With over 31 years of experience, Keith has seen a lot. His friendly but direct nature will both guide and empower you to fulfil you true aspirations. Learn more about Keith & his team here.