Leon Zhang - Financial Adviser: Mortgages & KiwiSaver

Leon Zhang - Financial Adviser: Mortgages & KiwiSaver Qualified builder turned Mortgage & KiwiSaver adviser, backed by The Mortgage Lab’s nationwide team and strong industry experience.

Practical, straight-up advice to help Kiwis buy, refinance, structure lending, and make smarter KiwiSaver moves.

Most people wait to feel ready before they ask anyone anything. That feeling doesn't really come. What actually shifts t...
15/09/2026

Most people wait to feel ready before they ask anyone anything.

That feeling doesn't really come.

What actually shifts things is knowing your numbers, what you've got, what you can borrow, what you'd need.

Ready is a feeling. Knowing where you stand is a fact.

Message me and we'll sort the second one.

Most first home buyers are sitting on a pile of yes or no questions they’re too nervous to ask out loud. Here are the ho...
11/09/2026

Most first home buyers are sitting on a pile of yes or no questions they’re too nervous to ask out loud.

Here are the honest answers to the ones that come up most.

If any of these surprised you, that’s worth a chat.

Short answer: no. Most people aren't as far ahead as they look, and where you start matters less than staying consistent...
09/09/2026

Short answer: no.

Most people aren't as far ahead as they look, and where you start matters less than staying consistent from here.

You're comparing your behind the scenes to everyone else's highlights, and a lot of people who look further ahead had help you can't see, or aren't actually as sorted as they seem.

Sometimes it just helps to have someone look at your actual situation instead of the one you're imagining.

Most people who think they can’t get a loan have never actually asked. If that’s you, send me a message and we’ll figure...
07/09/2026

Most people who think they can’t get a loan have never actually asked.

If that’s you, send me a message and we’ll figure out where you really stand.

This client had just moved overseas with a lot on, and his fixed rate was coming up for renewal. I used that as a chance...
03/09/2026

This client had just moved overseas with a lot on, and his fixed rate was coming up for renewal.

I used that as a chance to restructure the lending and take some pressure off his monthly cash flow, while keeping him in control of the decisions.

If your fixed rate is coming up and you’d rather not juggle it yourself, flick me a message.

Opting out of KiwiSaver can feel like a smart way to free up cash when money is tight. But it usually costs you far more...
01/09/2026

Opting out of KiwiSaver can feel like a smart way to free up cash when money is tight.

But it usually costs you far more than it saves, because you lose the money your employer adds on top and the growth on all of it over time.

A nice one to work through recently. This couple had a few moving parts, salaried and self-employed income and existing ...
28/08/2026

A nice one to work through recently.

This couple had a few moving parts, salaried and self-employed income and existing investment properties, and they mostly wanted certainty before they started looking.

Getting them clear on their position was the whole job.

If your situation feels like it has a few moving parts too, flick me a message.

Most people can tell you what they earn right now, but not what they are going to need later on. These are the rough num...
26/08/2026

Most people can tell you what they earn right now, but not what they are going to need later on.

These are the rough numbers for retirement here in New Zealand, based on the Retirement Commission’s guidelines.

Have a read, and if you want to talk through how buying a home now plays into that down the track, flick me a message.

“As a major bonus, Leon’s Building background allowed us to feel confident in identifying the quality of the home being ...
24/08/2026

“As a major bonus, Leon’s Building background allowed us to feel confident in identifying the quality of the home being purchased.”

I think this line mean’t the most!

Happy to help!

20/08/2026

I always say being a builder turned mortgage adviser has its advantages, but here’s actually what I mean 👆

Address

Level 2, 14 Jervois Road, Herne Bay
Auckland
1011

Telephone

+642108178199

Website

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