Unlike large brokerage firms, we focus on personal connection and cultural understanding. Amy Vu speaks Vietnamese and has over five years’ experience helping Kiwi and Vietnamese families navigate NZ’s complex mortgage system. We combine professional expertise with warmth and care, explaining each step in plain language. Our process doesn’t end when your loan is approved — we keep supporting you with reviews, refinancing, and financial planning so your mortgage continues to work for you long after settlement.

Not always! Many banks and lenders now offer loans with as little as 5 – 10 % deposit, especially for first-home buyers or those with strong income and good credit. Each bank has different criteria, so our job is to help you identify which options fit your financial situation. We’ll assess your profile, prepare your application to highlight your strengths, and match you with lenders most likely to approve you. You might be closer to owning your home than you think.

Typically, lenders need your ID, proof of income (such as payslips or tax returns), recent bank statements, KiwiSaver or savings history, and details of any loans or debts. For self-employed clients, business financials may also be required. Don’t worry if you’re unsure — we’ll give you a checklist and help you prepare everything correctly.

Absolutely — that’s one of our specialties. We provide bilingual support in English and Vietnamese to help you understand every document and condition clearly. We know how stressful financial terms can be in a second language, so we translate everything into plain language and guide you step by step. You’ll always know what you’re signing and what’s next. Many of our clients tell us they finally feel confident about the process for the first time.