Nicole is a registered Financial Adviser holding the New Zealand Certificate in Residential Property Lending (Level 5), with more than 25 years in the finance industry. Her experience spans a range of finance companies, including the non-bank lending sector.

Twenty five years across banks and non-bank lenders means Nicole has seen most situations before. Self-employed income, an application that does not fit a standard servicing test, or a structure that needs thinking about rather than processing. Knowing where each lender sits and what they will genuinely consider is what turns a difficult application into a workable one.

Her focus is on making the home loan process clear and straightforward, and on keeping clients informed while it is happening. The finance stage involves a lot of documentation and a fair amount of waiting, and most of the stress comes from not knowing where things are up to. Nicole takes pride in personalised support and in the long-standing client relationships that come from it.