A Holistic Approach
To Financial Advice

Get a Quote
CORE SERVICES

We’re more than just Mortgage Brokers, we’re Financial Advisers.
We take a holistic approach to financial advice and we drive the conversation behind wealth creation so you can build the life of your dreams.

OUR PROCESS HAS FIVE DISTINCT STEPS:

STEP ONE

Client Discovery & Financial Health Check

It's all about you.

We want to get to know you and understand your needs, discuss your financial goals or help you create them and complete a full financial health check to understand your current financial situation. This session helps us to define the scope of our work and serves as the basis of our personalised advice and strategy to help you achieve your financial goals.

STEP TWO

Manage Your Mortgage

Do you have your mortgage repayment strategy?

Your mortgage is probably one of the biggest debt you have but the good news is your mortgage doesn’t have to take 30 years to pay off.
Getting the lowest interest rates is not everything but when you couple that with the right advice and a tailored loan structure, you can pay off your mortgage sooner than you think.

explore more
STEP THREE

Protect Your Wealth

Are you adequately covered?

Life is unpredictable but whatever surprises life has in store for you, make sure your most valuable assets are protected, including you.
It’s not about getting the cheapest insurance premium, but it’s about getting the right insurance and being adequately protected against the surprises life throws at you.

explore more
STEP FOUR

Retire With Wealth

Have you planned for your retirement?

Most New Zealander’s wealth is tied up in their family home and they may have no investment or cash savings to fund their retirement.
With the right advice, Kiwisaver could provide all that is needed to fund your retirement so you can enjoy your golden years.

explore more
STEP FIVE

Annual Review

We’ll touch base to see how you’re progressing.

We’ll meet up annually to check how you are progressing with your goals and if there any life events or changes, we’re more than happy to sit down with you and discuss ways to navigate through these milestones and adjust your strategy if required.

Why Work With Us

Our clients are our priority - We work for you, not the financial service provider

personalised & impartial financial advice as going through the client discovery step will provide us with the full understanding of your short, medium & long term goals, and your immediate needs

a broad range of financial products & services as we have partnered up with all major lenders and second-tier lenders

we analyse, research and recommend you the most appropriate product & provider suited to your circumstances and needs

we provide a mortgage reduction plan so you can get mortgage free quicker

we analyse, research & recommend you the most appropriate product & provider

regular review meetings to see how you are progressing to reducing your debts and achieving your goals

timely & professional loan application submissions which gives you a higher chance of being approved

negotiate the best terms and interest rates, fees and premiums for you

we guide you through the entire mortgage process - from underwriting to settlement of your loan to maintaining the life of your loan

connect you to our specialist insurance adviser for an appropriate unbiased risk insurance advice

we discuss your retirement plan and create a plan for you

Testimonials

I cannot praise Twine Advisers enough for their advice with our refinancing and re-structuring of our properties. They have a thorough knowledge of the banking industry to be able to provide attractive refinancing options. Moreover, they were able to ask us the tough questions to get us thinking about what was required of us in terms of our long-term financial plans. I would highly recommend Eugene to anyone thinking about refinancing
Wendy F.
Working with Eugene with our mortgages has been a life saver! His knowledge is just incredible. He has helped us restructure and get amazing interest rates that we normally wouldn't have even known to. We know that having Eugene right there helping us with the structure of our own home and our rental is just fantastic! We will most certainly continue to work with Eugene for as long as he can put up with us.
Rachael M.
Eugene has been so professional and easy to deal with. He has helped make the process so much easier by guiding us all the way through our documentation. Structuring our loan and listening to what we want but also directing us to gain optimum value from our refinance. Also provided easy and quick communication all the time
Khosie
Eugene has been such a mountain of knowledge and who explains himself very well Eugene customer service is absolutely exceptional.
Stuart B.
Eugene was great. He Sat down with us and got a feel for our values and goals before talking about the money. This gave us confidence in his advice because he understood what we were trying to achieve. He keeps us well informed and documented the process as we went along so we knew what to do next. We now feel like we're with the right bank for us, with a good loan structure and a good understanding of our financial situation.
Caroline F.
Eugene has been so helpful with his professional advices that guide and suggest the best path to finance advantage using what we have. He is so patient with explaining things to me as I am a new business owner. Step by step, he teaches me to avoid taking on unnecessary loan and risk, not just wanting money by telling you go for it. My wife and I really appreciate his hard work.
Andrew C.
I thoroughly recommend Eugene and his team. I have been helped so much since starting to use their services. They have taken a load of my shoulders by renewing loans and arranging new finance
Diane F.