Strategy-Led Mortgage Advice, Built Around You

I help you structure your lending properly, not just get a loan approved.

Who It's For?

Whether you’re buying your first home, growing a portfolio, or navigating a complex deal, the right lending strategy makes all the difference.

First Home Buyers

I guide you through the process so you can enter the property market with clarity and confidence.

Refinancing & Restructuring

I help you restructure your lending so it better supports where you are now and where you’re going.

Property Investors

I provide strategic lending solutions to support your portfolio growth and long-term outcomes.

Property Developers & Complex Deals

Specialist support for multi-property development, construction finance, and complex structured lending solutions.

Business Lending

Specialist support for business acquisition, working capital & cash flow lending, commercial property finance, and growth-focused lending solutions.

KiwiSaver & Investment Advice

Guidance on KiwiSaver, first home withdrawals, and investment strategies aligned with your goals

20+ Years

Experience backed by Dux Financial

Access

to multiple trusted lenders

Free

No obligation consultation

Why Work With Me?

Strategy Before Rates: Every recommendation I make is based on your long-term goals, not just short-term savings.
Tailored Lending Solutions: I understand that no two situations are the same. I structure your lending based on your full financial picture.
Access to Multiple Lenders: Options beyond a single bank to find the right fit for your scenario.
Complex & Developer Expertise: I specialise in deals that require careful structuring, not just ticking boxes.

How It Works?

Step 1: Initial Consultation
Step 2: Fact Find & Documentation
Step 3: Strategy & Assessment
Step 4: Application & Approval
Step 5: Loan Structuring & Settlement
Step 6: Ongoing Support & Reviews

Here's What People Say About Me

"Manik, your dedication as my mortgage advisor is truly remarkable. You consistently go the extra mile to assist customers, and I deeply appreciate your exceptional support in navigating the complexities of homeownership. Thank you for your outstanding service."

- Ranuka

"I am feeling lucky to person like Manik Bathla who help me to guide and get 1st home mortgage. He was there like my family member to help me and answer every question I have. Thank you Manik for your time and support throughout the process. It is hard to find person like manik who treat you like a family member."

- Rishabh Bahera

Need Something More Complex?

Standard bank solutions don’t always fit real-world financial situations.

I specialise in structuring lending for developers, investors, and borrowers with more complex scenarios. Whether it’s multi-unit developments, cross-collateralised portfolios, or self-employed income, I focus on structuring your lending properly so it works both now and long term.

This isn’t about getting a loan through, it’s about setting it up the right way from the start.

Ready to Move Forward with Clarity and Confidence?

Let’s map out the right structure for your situation.