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Smarter Mortgages

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

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

We 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.

Meet our mortgage team

Rachael Thompson - Mortgage , KiwiSaver and Investment Adviser Auckland NZ at Smart Advice Collective
Rachael Thompson

Hi I'm Rachael! I've been a Financial and Mortgage Adviser since 2013. I love helping people finance that special property, whether you're a first-home buyer or property investor. As an accredited investment adviser, I also work with clients to grow their investments and KiwiSaver, with a particular passion for supporting women and families with wrap-around financial advice, giving them the certainty and confidence to make informed decisions for today and for retirement.

LEARN MORE

Let's learn more about tailored mortgages

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Clients we'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

A couple with a toddler are leaving their Auckland home, after securing a great mortgage from the Smart Advice Collective, NZ

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. 

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