Leon Zhang - Financial Adviser: Mortgages & KiwiSaver

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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.

Wondering if your KiwiSaver contributions lower how much you can borrow?Usually, no.Lenders typically look at your incom...
23/10/2026

Wondering if your KiwiSaver contributions lower how much you can borrow?

Usually, no.

Lenders typically look at your income before KiwiSaver is taken out.

So your contribution rate does not usually change what the bank sees.

What it does change is your take home pay, which is worth thinking about.

I am a KiwiSaver adviser as well as a mortgage adviser, so happy to look at both with you. Just send me a message.

Save this one if buying is on the cards in the next six months.Starting early makes the whole process smoother.If you wa...
21/10/2026

Save this one if buying is on the cards in the next six months.

Starting early makes the whole process smoother.

If you want help mapping out your own timeline, send me a message.

Got a credit card you barley use?It still counts. When you apply for a mortgage, the bank looks at your limit, not what ...
19/10/2026

Got a credit card you barley use?

It still counts.

When you apply for a mortgage, the bank looks at your limit, not what you owe.

A $20,000 card with zero balance, still counts against what you can borrow.

Bringing the limit down, or closing cards you do not need, can help your position.

This is for anyone who has felt a bit behind lately. Your timeline is your own.If you want to see where you stand, send ...
17/10/2026

This is for anyone who has felt a bit behind lately.

Your timeline is your own.

If you want to see where you stand, send me a message.

I did not expect building houses to be such good preparation for mortgage and KiwiSaver advice.Swipe through for the ful...
15/10/2026

I did not expect building houses to be such good preparation for mortgage and KiwiSaver advice.

Swipe through for the full story.

If you are starting to think about your future home, send me a message.

Getting pre-approved feels like the hard part is done. But it is not a guarantee.It is a lender saying they are likely t...
07/10/2026

Getting pre-approved feels like the hard part is done.

But it is not a guarantee.

It is a lender saying they are likely to lend you a certain amount.

It comes with conditions, it does not account for the specific property yet, and it can expire.

None of this is a reason to worry.

Treat it as a strong starting point rather than a done deal.

If you are not sure what yours covers, feel free to get in touch.

07/10/2026

Congratulations to Zhang - Financial Adviser: Mortgages & KiwiSaver , our latest 60-second trophy winner at TNG New Lynn.

Leon shared how much he loves helping first-home buyers get into their first home.

He’s also been doing more to explain the home-buying process through his socials, including what people need to know and why they may be eligible to buy sooner than they think.

He’s getting out there, networking and collaborating too, so he’s front of mind when someone needs a mortgage broker.

And with a background in building, he can bring that experience into conversations around the property itself, not just the finance.

Well done, Leon!

You win the property, and then the valuation comes back under your price.What you pay is what someone was willing to pay...
06/10/2026

You win the property, and then the valuation comes back under your price.

What you pay is what someone was willing to pay on the day.

A valuation is a more measured view based on recent sales and the property itself.

If it comes in low it can affect your deposit, because the lender lends against the lower figure.

That does not always kill the deal.

If this has happened to you, get in touch and we can look at where you stand.

“Should I just wait for prices to drop?” is one of the most common questions I am hearing at the moment.But waiting is n...
02/10/2026

“Should I just wait for prices to drop?” is one of the most common questions I am hearing at the moment.

But waiting is not free.

You are usually still paying rent, and none of us can say which way prices will move.

Even people who do this for a living get the timing wrong.

What matters more is your own situation.

If you want to think it through, feel free to get in touch.

A lot of first home buyers only get through the door with family help, and most only know one version of it.Everyone has...
30/09/2026

A lot of first home buyers only get through the door with family help, and most only know one version of it.

Everyone has heard of the gifted deposit.

But some families go guarantor, and some use the equity in their own home to support your loan.

Each one works differently.

If family help might be on the table, feel free to get in touch and we can go through what could suit you.

Address

Level 2, 14 Jervois Road, Herne Bay
Auckland
1011

Telephone

+642108178199

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