Helping Kiwi families, first home buyers, and business owners secure the right loan and protection — without confusion, pressure, or guesswork.
"Rowena made everything so easy. No pressure, just honest advice."
Sarah & Michael, Auckland
500+
Families Helped
Simple, stress-free guidance from first conversation to settlement and beyond.
We listen first. Your goals, income, and concerns come before products.
We compare lenders and insurers to suit your unique situation.
We review your loans and cover as life and interest rates change.
10+
Years Experience
About
I've been helping families and business owners navigate mortgages and insurance since 2015.
My approach is calm, transparent, and relationship-focused — helping clients make confident long-term decisions.
Personalised advice across mortgages, insurance, and wealth planning.
Guidance for first home buyers and owner-occupied lending.
Learn moreReduce interest, improve cashflow, and restructure your loan.
Learn moreSolutions for self-employed and complex income structures.
Learn moreLife, trauma, income and mortgage protection for your family.
Learn moreFirst home withdrawals and long-term wealth planning.
Learn moreLife is unpredictable. Protect your family, your income, and your future with our tailored insurance solutions designed to give you peace of mind.
Protect Your Family's Future
Life Cover ensures your loved ones are financially protected if the unexpected happens. It provides a lump sum payment to help cover mortgages, living expenses, education costs, and debts — giving your family security when they need it most.
Key Benefits:
Support When Serious Illness Strikes
Trauma Insurance (Critical Illness Cover) provides a lump sum payment if you're diagnosed with a serious illness like cancer, heart attack, stroke, or major organ transplant. With over 40 conditions typically covered, this gives you financial breathing room when you need it most—allowing you to focus on recovery, pay for treatment, or take time off work without the stress of bills piling up.
Key Benefits:
Safeguard Your Home & Family
Mortgage Protection Insurance is specifically designed to pay off your home loan if you pass away or become terminally ill. This specialized life insurance ensures your family won't lose their home or struggle with mortgage payments during the worst time of their lives. The cover amount decreases over time to match your reducing mortgage balance, making it a cost-effective way to protect your most valuable asset.
Key Benefits:
Keep Your Income Flowing When You Can't Work
Income Protection Insurance is your financial safety net if illness or injury stops you from working. Unlike ACC (which only covers accidents), this covers sickness too—replacing up to 75% of your income with monthly payments that continue until you return to work or reach retirement age. Whether you're off work for 3 months or 3 years, your bills still get paid, your mortgage is covered, and your family maintains their lifestyle without draining savings or going into debt.
Key Benefits:
Financial Security If You Can Never Work Again
Total and Permanent Disability (TPD) Insurance provides a lump sum payment if you become permanently disabled and can never work again due to illness or injury. Whether it's a serious accident, chronic illness, or disabling condition, TPD covers you when you lose the ability to earn an income for life. This crucial safety net ensures you can maintain your lifestyle, pay off debts, and afford necessary care and modifications without depleting your family's savings.
Key Benefits:
Our insurance experts will assess your situation and recommend the right protection package for you and your family. Get a free, no-obligation consultation today.
Buying your first home in New Zealand? We specialise in helping first-home buyers — including migrants, newcomers, and those with non-standard income — get approved for home loans that traditional banks often decline.
We understand that first-home buyers face unique challenges — especially if you're new to New Zealand, have irregular income, or don't fit the typical bank profile. We work with lenders who understand your situation and design loan structures that work for you.
Guidance through every step — from pre-approval to settlement
We help you use your KiwiSaver funds for your first home deposit
Get into your home with as little as 5-10% deposit in some cases
We understand visa types, overseas income, and employment gaps
Get pre-approved so you know your budget and can bid with confidence
Search for your perfect home knowing you have loan approval ready
Once you find your home, we finalize your loan approval quickly
Settlement day arrives and you get the keys to your new home
Common Questions: Can I use my KiwiSaver? | How much deposit do I need? | What if I'm on a work visa? | Can I buy with a partner?
Get Answers to Your QuestionsReduce your mortgage payments, shorten your loan term, or access equity in your home. Refinancing could save you thousands in interest and help you achieve financial freedom faster.
Interest rates change, your financial situation improves, and better loan options become available. Refinancing allows you to take advantage of these opportunities — potentially saving tens of thousands of dollars over the life of your loan.
Secure a better rate and reduce your monthly payments significantly
Pay off your mortgage years earlier without sacrificing your lifestyle
Use your equity for renovations, investments, or debt consolidation
Roll high-interest debts into your mortgage at a lower rate
Switch from variable to fixed rates or get better loan features
Been paying your mortgage for years but feel it hasn't reduced? We can assess if you can shorten your loan term by 5+ years without sacrificing your lifestyle. You won't believe what's possible until you see the numbers. Contact us for a free review.
Whether you're starting a new venture, expanding operations, or managing cash flow — we provide flexible business loan solutions designed for small business owners and entrepreneurs in New Zealand.
We understand that business income can be irregular, seasonal, or hard to document. Unlike traditional banks that focus only on tax returns, we look at your entire business picture — including cash flow, contracts, and growth potential.
Launch your business with funding for equipment, inventory, and operations
Grow your existing business — new locations, staff, or product lines
Manage cash flow gaps, seasonal demands, or unexpected expenses
Purchase essential equipment, machinery, or commercial vehicles
Buy your own business premises or investment property
Get decisions within 24-48 hours, not weeks
Loan structures that match your business cycle
Work with specialists who understand business
Access rates that make business sense
Hospitality & Food Service | Retail & E-commerce | Construction & Trades | Professional Services | Healthcare & Medical | Technology & IT | Manufacturing | Transport & Logistics | Beauty & Wellness | Agriculture & more
Juggling multiple debts with different rates and due dates? Debt consolidation combines all your debts into a single loan with one monthly payment — often at a lower interest rate, saving you money and reducing stress.
Multiple credit cards, personal loans, store cards, and other debts can quickly become overwhelming. Debt consolidation simplifies your finances by rolling everything into one manageable loan — usually at a lower rate than credit cards.
Reduce rates from 18-25% to as low as 8-12%
One date, one amount, one lender — easy to manage
Free up hundreds per month in cash flow
Regain control of your finances and peace of mind
Tell us about all your current debts and balances
See exactly how much you'll save each month
Quick approval for your consolidation loan
We pay your creditors, you make one easy payment
Free debt review • No obligation • Confidential consultation
Debt consolidation isn't about borrowing more — it's about borrowing smarter. Let us help you break free from the debt cycle and start building a better financial future.
Your KiwiSaver is one of your most valuable assets. Are you getting the most out of it? We help you optimize your KiwiSaver strategy, access funds for your first home, and ensure you're on track for a comfortable retirement.
KiwiSaver isn't just about retirement — it can help you buy your first home, and with the right strategy, grow significantly faster. We provide expert advice to ensure you're in the right fund, contributing the right amount, and maximizing government contributions.
Review your current fund, fees, and performance — ensure you're in the right fund for your goals
Access your KiwiSaver (minus $1,000) for your first home deposit
Maximize your member tax credits and employer contributions
Choose the right fund type (conservative, balanced, growth, aggressive) based on your age and goals
Get the full $521.43 annual member tax credit by contributing at least $1,042.86/year
Project your retirement balance and ensure you're on track for the lifestyle you want
Yes! If you've been contributing for at least 3 years, you can withdraw most of your KiwiSaver (minus $1,000) for your first home purchase.
The minimum is 3% of your income, but contributing at least $1,042.86/year gets you the maximum government contribution of $521.43. Many people contribute 4-10% depending on their goals.
It depends on your age and when you'll need the money. Younger people (10+ years to retirement) usually benefit from growth or aggressive funds. Those close to retirement prefer conservative funds. We can help you decide.
Absolutely! You can switch providers at any time. We'll help you compare fees, performance, and fund options to find the best fit for your situation.
Build long-term wealth outside of KiwiSaver with professionally managed investment funds. Whether you're saving for a goal, building passive income, or growing your wealth — we help you find the right investment strategy.
Managed funds pool your money with other investors and are professionally managed by expert fund managers. This gives you access to diversified portfolios of shares, bonds, and property — without needing to pick individual investments yourself.
Expert fund managers make investment decisions on your behalf
Spread risk across hundreds of companies and asset classes
Start investing from as little as $1,000-$5,000
Access your money when you need it (unlike KiwiSaver)
Historically higher returns than bank savings accounts
Lower risk, stable returns. Mostly bonds and cash.
Best for: Short-term goals (1-3 years)
Medium risk, balanced growth. Mix of shares and bonds.
Best for: Medium-term goals (3-7 years)
Higher risk, higher potential returns. Mostly shares.
Best for: Long-term goals (7+ years)
Define your goals, risk tolerance, and time horizon
Compare performance, fees, and risk across providers
Build a balanced portfolio across multiple asset classes
Monitor performance and adjust as your goals change
Structure investments to minimize tax impact
Build income streams beyond KiwiSaver and NZ Super
Free initial consultation • No obligation • Personalized advice
Retirement income | Children's education | Property deposit | Wedding | Travel | Financial independence | Passive income | Wealth building | Emergency fund
Whatever your goal, we'll help you build the right investment strategy.
Real stories from real families who achieved their financial dreams with Life Protector Limited
"Rowena helped us get approved for our first home when two banks had already declined us. As migrants with irregular income, we thought homeownership was impossible. She found a solution and saved us years of waiting!"
Posted on Google • 2 weeks ago
"The refinancing strategy Rowena designed saved us over $35,000 in interest and we'll pay off our mortgage 8 years earlier — without changing our monthly budget at all. Incredible service!"
Posted on Google • 1 month ago
Featured in client success stories • Recognized for excellence in financial advisory • Proud member of the New Zealand lending community
See how we've helped Kiwi families achieve homeownership, save thousands, and accelerate their mortgage payoff
Client Profile:
Filipino migrants, 3 years in NZ, irregular contract income
Challenge:
Declined by 2 banks due to visa type & income structure
Solution:
Found migrant-friendly lender, structured income proof creatively
$485,000
Home Loan Approved
"Rowena made our dream possible when everyone else said no. We're now proud homeowners!" - Miguel & Ana
Client Profile:
Young family, $620K mortgage, high interest rate
Challenge:
Paying too much interest, wanted to pay off mortgage faster
Solution:
Refinanced to lower rate, restructured with offset account
$67,340
Total Interest Saved
+ 10 years reduced from loan term
"Same monthly payment, but now we'll be mortgage-free 10 years earlier. Life-changing!" - David & Lisa
Client Profile:
Self-employed tradie, 2 years in business
Challenge:
Banks wanted 3+ years tax returns, income varied seasonally
Solution:
Used bank statements & invoices to prove income capacity
$380,000
Home Loan Approved
"Being self-employed doesn't mean you can't own a home. Rowena proved that!" - James P.
"As Indian migrants on work visas, we thought buying a house was years away. Rowena got us approved in 3 weeks and helped us access our KiwiSaver funds for our deposit!"
First Home Buyers • Auckland
"We consolidated $45K in credit card and personal loan debt into our mortgage. Monthly payments dropped from $1,800 to $600. We can finally breathe again and start saving!"
Debt Consolidation • Wellington
"Single mum, part-time income, previous credit issues. I never thought I could buy. Rowena found a way and now my kids have a stable home. Forever grateful!"
Single Parent • Christchurch
"Rowena's refinance strategy saved us $890 per month without changing our lifestyle at all. That's an extra $10,680 per year staying in our pockets!"
Refinance Clients • Hamilton
Join hundreds of families who've achieved their financial dreams with Life Protector Limited
Start Your Success Story TodayFind out how much you can borrow and estimate your mortgage repayments with our easy-to-use calculators
Enter your financial details below to estimate how much you could borrow for a home loan.
Estimated Borrowing Capacity
$275,000
Based on 6% serviceability test rate
$375,000
Loan + Deposit
73%
Standard lending criteria
$1,833
At current market rates (~7%)
Debt-to-Income Ratio (DTI)
Within acceptable range
35%
Maximize Your Borrowing Power
We can help you structure your finances to potentially increase your borrowing capacity. Book a free consultation to explore your options.
Important Disclaimer: This calculator provides an estimate only and is not a guarantee of lending. Actual borrowing capacity depends on many factors including your credit history, employment status, income verification, existing commitments, property type, location, and individual lender policies. All applications are subject to lender approval and lending criteria.
Calculator Assumptions:
Regulatory Notice: This calculator is for illustrative purposes only. Life Protector Limited is a registered financial adviser and provides personalized financial advice. We strongly recommend speaking with one of our advisers for an accurate assessment of your borrowing capacity. Lending criteria, terms, and conditions apply. Actual interest rates will be confirmed upon application acceptance and are subject to lender approval.
Get Professional Advice: Every financial situation is unique. Our expert advisers can provide a detailed assessment, compare multiple lenders, and help you secure the best possible terms. Contact us today for a free, no-obligation consultation.
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