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Rachael Thompson of Smart Advice Collective Auckland for Smart, Savvy Mortgage Solutions

Smarter Mortgages

WITH RACHAEL THOMPSON

Kia ora, I'm Rachael. I have over twelve years of experience in New Zealand’s Financial Services industry and I'm passionate about helping people achieve the dream of home ownership.


I purchased my first place to call home as a single, self-employed parent—before the days of KiwiSaver—teaming up with my sister and receiving support from the “Bank of Mum and Dad.” That experience gave me firsthand insight into the challenges many clients face when trying to get on the property ladder.


My positive experience working with a Mortgage Adviser inspired me to join the profession. After five years in the industry, I went on to lead the Mortgage Department at ILG. Another five years later, I decided it was time to grow my business further. Now, as a proud Director of The Smart Advice Collective, I continue doing what I love—helping clients purchase their first place to call home, upgrade to a new one, or invest in property.
I bring unique value to my clients by drawing on my extensive experience as a property investor in both Auckland and regional New Zealand, as well as my background as a real estate salesperson. Although I'm based in Auckland, I work with clients across the country.


Outside of work, I enjoy spending time with my adult daughter and I'm a proud grandmother of two. I also love catching up with friends and family, participating in canoeing events, and travelling.

Paying off a mortgage quickly shouldn’t mean sacrificing lifestyle.

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MY MISSION

What sets me apart

I take a deeply client-centric approach to mortgage advice. I'm by my clients’ side throughout the entire property journey — not just at the beginning. I make myself available outside traditional hours when needed, helping to take the stress out of the process.

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Here's how I support my clients:

  • Structure or restructure mortgages to save time, money, and stress

  • Provide ongoing support from the initial application through to negotiating a home purchase

  • Offer education through my online masterclass for first home buyers

  • Empower clients with the knowledge and confidence to make smart, informed decisions

  • Simplify complex processes to deliver outcomes that align with each client’s financial goals

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I've helped Kiwis across New Zealand build long-term financial security through real estate, and I’m passionate about making the mortgage process as clear and straightforward as possible — even when it feels overwhelming.

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VIEW DISCLOSURE STATEMENT

I offer tailored mortgage solutions for

New Mortgage Applications

Whether you're purchasing your first home, upgrading to your next property, or investing in real estate, I can guide you through the process with confidence and clarity.

Top-Ups & Additional Lending

Access additional funds for home renovations, debt consolidation, or major purchases such as a new vehicle—all while ensuring your lending remains structured and sustainable.

Mortgage Restructuring

Optimise your existing home loan to achieve greater flexibility for early repayments, enhance cost certainty, and effectively manage financial risk through a well-balanced lending structure.

Let's learn more about tailored mortgages

  • Preventing the sale of your family home
    In the event of a temporary illness, our insurance solutions can prevent the distressing need to sell your cherished family home for what might be a short-term illness that may affect your ability to work. With good quality income and mortgage protection, you can focus on recovery without the added burden of worrying about losing your home.
  • Funds for alternative medicine
    I understand that you may have specific medical needs or prefer alternative treatment options. With our insurance solutions, you can access the necessary funds to pursue the medical treatment of your choice, empowering you to explore options that align with your beliefs and values.
  • Support for your loved ones
    During challenging times, illness can disrupt not only your life but also the lives of your loved ones. Our insurance policies offer funds that enable your loved ones to take time off work and care for you, ensuring you receive the support and attention you need without a drop in household income.
  • Flexible medical treatment
    Insurance empowers you to seek medical treatment on your own terms and schedule rather than being at the mercy of long hospital waiting lists. Prioritise your health and well-being by accessing timely medical care that fits your needs.
  • Protection for your children
    As a parent, I understand the importance of safeguarding your children’s health. Our insurance solutions provide coverage for their medical treatment, ensuring they receive the care they need when it matters most. With this peace of mind, you can focus on nurturing their well-being.
  • Fulfillment of your family plans
    Life is full of dreams and plans, and our insurance solutions empower you to fulfill them, even if unforeseen circumstances arise. Our policies provide the financial security necessary to ensure your family’s plans and aspirations can continue, whether you are present or not.

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Clients I've helped make smarter mortgage decisions

"It's been an absolute pleasure to work with Rachael. I was a little sceptical about mortgage brokers in the past, but Rachael, who I got to know personally via a networking group, arranged a very good deal for me.


I am very happy and thankful for her support during difficult personal circumstances and I will certainly use her services for my future property investments."

KRZYS

Arranged a very good deal

Rachael Thompson of Smart Advice Collective Auckland for Smart, Savvy Mortgage Solutions

Ready for a smarter mortgage?

If you're looking for a mortgage that saves you time and money, offers flexibility and certainty, and aligns seamlessly with your goals and lifestyle—let’s talk. Call me on 021-311-988 or contact me via the link.

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