Tell us your goal
Share whether you are buying, refinancing, re-fixing, funding a project or exploring business lending.
Financial Guru
Marison Financial Guru Ltd | FSP1012567
Mortgage | Development | Commercial Lending
Mortgage and development finance, clearly structured.
Financial Guru helps New Zealand borrowers, investors, builders and developers prepare stronger lending applications, compare practical pathways and move from enquiry to settlement or drawdown with more clarity.
Marison Financial Guru Ltd | FSP1012567. Financial Advice Provider application pending. This website provides general information only until personalised advice is provided through the appropriate FAP process and disclosure.
- Home loans
- First-home, refinance, re-fix, investment and self-employed borrowers.
- Development finance
- Land, construction, bridging, non-bank and staged drawdown funding.
- Business lending
- Commercial property, asset finance, business loans and working capital.
Client experience
Start with a clear conversation before choosing a lending pathway.
Financial Guru helps you turn an early question into a practical next step. Whether you are buying a home, reviewing a loan, funding a business or planning a development project, the first enquiry focuses on your goal, timeline, lending type and what information is needed before any personalised advice can be considered.
First Home Buyer Pathway
Understand borrowing capacity, deposit sources, KiwiSaver, pre-approval conditions and the steps between application and settlement.
Refinance & Refix Review
Review your current loan before a fixed rate expires and compare whether re-fixing, restructuring or refinancing may be worth exploring.
Investment Property Lending
Consider LVR, servicing, rental income, interest-only options, future borrowing capacity and portfolio structure.
Self-employed Borrower Review
Prepare company, contractor or shareholder income information in a way lenders can assess more clearly.
Construction / New Build
Prepare for build contracts, valuations, deposits, consent timing, drawdowns and cost-overrun questions.
Debt & Cashflow Review
Understand how credit cards, personal loans, car loans and living costs may affect borrowing capacity and lender fit.
Annual Mortgage Health Check
Set review dates for fixed-rate expiry, pre-approval expiry, household changes and future property plans.
Development Finance
Structure funding conversations for land, construction, bridging, non-bank lending, staged drawdowns and project completion.
Commercial Property Finance
Prepare lending applications for commercial premises, mixed-use assets, owner-occupied commercial property and income-producing property.
Asset Finance
Explore finance options for vehicles, equipment, machinery, fit-outs and productive business assets.
Business Loans
Support working capital, expansion, stock, cashflow timing, business acquisition and short-term funding conversations.
Bridging & Non-bank Lending
Consider alternative lender pathways where timing, security, servicing, pre-sales or transaction complexity does not fit a standard bank approach.
First Home Buyers
Know your position before you make an offer.
First-home lending is easier to navigate when you understand your borrowing range, deposit evidence, KiwiSaver timing, finance conditions and the documents lenders usually ask for.
- Borrowing capacity and deposit readiness
- KiwiSaver and first-home buyer preparation
- Pre-approval readiness before property search
- Common mistakes before signing a sale and purchase agreement
Borrowing Capacity
Clarify how income, expenses, debt, deposit and lender policy may shape your borrowing range.
Deposit Evidence
Organise savings, KiwiSaver, gifts, family support and other deposit sources so your application story is clear.
Pre-approval Readiness
Check whether your information is ready before asking a lender to assess the application.
Settlement Preparation
Understand the practical steps between offer, conditions, solicitor work, approval and settlement.
Refinance & Refix
Review more than the headline interest rate.
When a fixed rate is ending, the right decision may depend on rate terms, repayment pressure, cashback, break costs, loan structure, lender appetite and your next one to three years of plans.
- Fixed-rate expiry review
- Refix versus refinance comparison
- Top-up and cashflow discussion
- Annual mortgage health check workflow
90-Day Review
Start before your fixed rate expires so there is time to compare options and avoid rushed decisions.
Structure
Review fixed terms, split lending, offset or revolving credit discussions and repayment flexibility.
Cashflow
Understand how repayment changes, household income and debt commitments may affect affordability.
Documentation
Prepare loan statements, income evidence, property information and reasons for the refinance or review.
Self-employed borrowers
Make your income story easier for lenders to understand.
Self-employed lending is often about evidence and explanation. Lenders may need to understand company accounts, shareholder salary, drawings, retained earnings, tax summaries, bank conduct and business stability.
- Company and personal income review
- Financial statements and tax summaries
- Business bank conduct and cashflow notes
- Three to six month readiness plan where needed
Income Evidence
Identify which documents may be needed to explain income clearly and consistently.
Readiness Plan
If the application is not ready, create a short preparation plan before approaching lenders.
Debt & Conduct
Review how credit limits, overdrafts, BNPL, personal loans and account conduct may affect lender assessment.
Investment or New Build
Connect income preparation with property purpose, rental assumptions, build contracts or future portfolio plans.
Development finance
Funding strategy for land, construction and project completion.
Development lending is a core Financial Guru strength. These files need more than a standard mortgage application: lenders need to understand the site, cost plan, equity, consent position, pre-sales, team, valuation, QS position, drawdown pathway and exit strategy.
- Land acquisition, construction and project completion funding
- Bank, non-bank, bridging and short-term facility pathways
- Valuation, QS, consent, pre-sales and project team evidence
- Drawdown structure, contingency and exit strategy review
Land & Site Funding
Assess holding position, equity contribution, settlement timing and the transition from acquisition to construction funding.
Construction Finance
Prepare the cost story: TDC, contingency, professional fees, GST position, valuation, QS report and staged drawdown expectations.
Bridging & Non-bank Options
Explore practical lender pathways when timing, servicing, consent, pre-sales or complexity does not fit a traditional bank profile.
Project Funding Pack
Organise the borrower, site, numbers, security, project team and exit plan into a lender-ready funding pack.
Commercial and business lending
Funding support for businesses, commercial property and productive assets.
Commercial lending is driven by cashflow, security, trading history, asset quality, lease position and the strength of the borrower story. Financial Guru keeps these services available alongside residential and development lending.
- Commercial property purchase and refinance
- Asset finance for vehicles, machinery and equipment
- Business loans, working capital and short-term funding
- Bank and non-bank options for complex transactions
Commercial Property
Prepare lending for offices, retail premises, warehouses, mixed-use assets or owner-occupied commercial property.
Asset Finance
Consider funding options for business vehicles, machinery, equipment, fit-outs and other productive assets.
Business Loans
Support working capital, expansion, stock, business acquisition, cashflow timing or restructuring conversations.
Application Preparation
Organise financial statements, management accounts, bank statements, forecasts, security details and business background.
Lending readiness
The core areas we look at before a lending application or funding approach.
Income
Employment stability, payslips, self-employed income, contract work, bonuses and usable income evidence.
Deposit
Savings history, KiwiSaver, gift evidence, equity, family support and deposit source clarity.
Credit Conduct
Late payments, defaults, overdrafts, credit limits, buy-now-pay-later use and account behaviour.
Debt & Cashflow
Credit cards, personal loans, car finance, living expenses and repayment pressure.
Goal Clarity
Timeline, property type, owner-occupied or investment purpose, settlement expectations and next action.
Project Numbers
For development files: TDC, GDV, equity, debt requirement, pre-sales, consent stage, QS and valuation evidence.
Business Position
For commercial files: trading history, cashflow, security, asset purpose, working capital need and repayment source.
Service workflow
From first enquiry to settlement, drawdown or long-term review.
Initial Enquiry
Start by sharing your goal, lending type, timeline and the main question you want answered.
Readiness Review
We consider whether the matter is ready for a conversation, needs more information or should be planned in stages.
Contact & Timing
We confirm the best way to contact you, your timeframe and whether there are any urgent dates.
Qualification
Check whether the matter is ready for an online meeting, general information, nurture or parking.
Online Meeting
Discuss goals, constraints, borrower position, project stage and the likely lending pathway.
Advice Gate
Personalised advice only proceeds through the appropriate FAP process, disclosure, ID check and consent steps.
Document Pack
Gather income, deposit, equity, security, business, asset or project information through the right checklist.
Lender Pathway
Prepare the bank, non-bank, commercial, development, asset or business lending route.
Settlement / Drawdown
Support approval conditions, solicitor coordination, settlement, construction drawdown or project funding milestones.
Future Review
Keep track of future review points such as re-fix dates, annual check-ins or the next project stage.
Disclosure standards
Built around New Zealand financial advice expectations.
New Zealand financial advice providers must be licensed by the FMA or operate under a licensed provider. Financial Guru is preparing its mortgage, development finance and commercial lending advice service under Marison Financial Guru Ltd, FSP1012567, with a Financial Advice Provider licence application pending.
Until the FAP licence is approved, this website is designed for general information, lending preparation and initial enquiry handling. It does not provide personalised financial advice.
Read our disclosure statementUnderstand needs
Good advice starts with goals, income, expenses, deposit, debt, timeline and risk considerations.
Assess readiness
Readiness depends on documentation quality, lender criteria and the borrower story.
Explain options
Clients should understand features, costs, limitations, conditions and trade-offs.
Disclose clearly
Fees, commissions, conflicts, complaints and dispute resolution details should be easy to find.
About Financial Guru
A lending advice brand for clear, calm borrower and project preparation.
Financial Guru is the borrower-facing lending advice brand of Marison Financial Guru Ltd. It is being developed for New Zealand borrowers, investors, builders, developers and business owners who want practical, plain-English guidance before and during the lending process.
The brand keeps residential mortgage advice, refinancing, fixed-rate review, investment property lending, self-employed borrowers, construction, development finance, commercial property finance, asset finance and business loans inside the service menu. Development lending is a particular strength and should remain a visible pillar of the website.
- English and Chinese support available
- Residential, investment and self-employed mortgage lending
- Development finance, bridging and non-bank lending
- Commercial property, asset finance and business loans
- Marison Financial Guru Ltd
- FSP1012567
- Financial Advice Provider application pending
- General information only until the appropriate advice process applies
Common questions
Questions borrowers often ask before an initial enquiry.
Can I enquire before I find a property?
Yes. Early preparation can help you understand budget, deposit, finance conditions and possible documentation gaps.
Can you help if a bank has declined me?
A decline may relate to policy fit, servicing, documentation or timing. The first step is to understand the reason and the preparation needed.
Do you promise approval?
No. Lending outcomes depend on lender criteria, client circumstances, documentation, credit assessment, property security and final approval.
How are mortgage advisers paid?
Mortgage advice may be paid by lender commission, client fee or a combination. Any applicable arrangement should be disclosed before advice proceeds.
What happens while the FAP application is pending?
We can provide general information, readiness guidance and enquiry handling. Personalised financial advice must wait for the appropriate FAP process and disclosure.
Initial enquiry
Start with a clear lending readiness conversation.
Tell us what you are trying to do, your timeline and the main question you want answered, whether it is a home loan, refinance, development project, commercial property, asset finance or business loan. Initial appointments are arranged through Microsoft Bookings under our main Microsoft account, with Teams used for video meetings.
anson@financialguru.co.nz
Phone, WeChat and WhatsApp details can be shared after initial contact.
English and Chinese support available.
Start Initial Enquiry
General information only
Information on this website is general only and is not personalised financial advice. Lending approval, rates, fees, terms and funding availability depend on lender criteria and your individual, business or project circumstances. Marison Financial Guru Ltd is registered on the FSPR as FSP1012567 and its Financial Advice Provider application is pending.