Andrew Palliser

I'm Andrew (Andy) Palliser, and as an adviser here at Home Loan Factory (HLF), I walk Wellington first home buyers through the entire journey—from setting an initial budget to settlement day. I specialise in helping buyers navigate low-deposit lending, including 5% deposits, Kāinga Ora First Home Loans, and coordinating KiwiSaver first-home withdrawals across Wellington City, Porirua, and the Hutt Valley

I review existing home loans to minimise your interest payments, consolidate debt, or help you leverage your usable equity for your next big move or renovation project.

• I negotiate directly with New Zealand's major banks to secure competitive interest rates, including:
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  • Kiwibank, TSB, ANZ, BNZ, ASB, Westpac, SBS, The Co-operative Bank, AIA Go Home Loans, Heartland Bank, Nelson Building Society (NBS), Unity, China Construction Bank, Bank of China, and ICBC.
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  For complex applications, self-employed lending, and short-term finance, I have extensive access to specialised non-bank lenders, commercial financiers, and private funders, including:
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  • Pepper Money, Avanti Finance, First Mortgage Trust, Basecorp, Liberty, Bluestone Home Loans, DBR Property Financiers, Cressida Capital, CFML Ltd, Finbase, Zurix, Go Lend, MB Private, Line Capital, Lendr, Plus Finance, Pallas Capital, Prospa, Funding Partners, Bizcap, ASAP Finance, Vincent Capital, Scotpac Business Finance, Southern Finance Partners, Welcome, and Xceda.
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  This total-market access means I can compare everything available—from standard bank lending to bespoke commercial finance—to get you the optimal loan structure.

Taking the headache out of business financials. I translate complex self-employed income into clear borrowing power, helping Wellington contractors and business owners secure the residential funding they need.

Getting the right advice at key life stages—like preparing for a house deposit or planning for retirement—is crucial. The difference between the right and wrong fund can mean hundreds of thousands of dollars over the long term. As a registered KiwiSaver adviser, I provide advice on fund selection and optimisation for providers including:

• ANZ, Booster, Generate, Pathfinder, Milford, Koura Wealth, and Fisher Funds.

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