Reina Heng

I provide comprehensive mortgage structuring for first home buyers, next home buyers, and residential property investors. I handle the entire process, including borrowing capacity assessments, pre-approvals, and final loan execution across the Wellington region.

I review your current lending setup to ensure it still serves your financial goals. Whether you need to fix or float loan splits, negotiate better rates, or release equity for renovations, I structure your debt to maximise your financial advantage.

I provide strategic advisory and loan placement for commercial premises, mixed-use buildings, and commercial real estate assets. I navigate the specific lending criteria of commercial banks to structure finance that supports your long-term business and investment objectives.

Standard bank policies do not always fit modern careers. I build tailored finance solutions to navigate complex income structures, contractor finances, and self-employed business accounts, presenting your application to the right lenders to secure funding outside standard bank criteria.

As a mortgage broker, I have the knowledge and expertise to guide you through the complex process of securing a mortgage.

I can help you understand all of your options, expI negotiate directly with New Zealand's major banks to secure competitive rates, including:

• ANZ, BNZ, ASB, Westpac, Kiwibank, TSB, SBS, The Co-operative Bank, AIA Go Home Loans, Heartland Bank, NBS, Unity, China Construction Bank, Bank of China, and ICBC.

For unique financial situations and commercial funding, I have access to specialised non-bank lenders and commercial financiers, including:

• Pepper Money, Avanti Finance, First Mortgage Trust, Basecorp, Liberty, Bluestone Home Loans, DBR Property Financiers, Cressida Capital, CFML Ltd, Finbase, Zurix, Plus Finance, Prospa, Funding Partners, and Xceda.

lain the terms and conditions of different loan products, and advise you on the best course of action.