Mortgages | Insurance | Investments | Financial planning

We don’t believe in Getting By.

We don’t believe in
Getting By.

We are here to help you

Get ahead

and achieve

Financial Freedom!

I want advise on

Mortgages | Insurance | Investments | Financial planning

We don’t believe in ‘Getting By’; we are here to help Kiwis ‘Get Ahead’ and achieve Financial Freedom!

I want advise on

Relationship first, advice second

Every family’s journey is unique. You deserve personalised financial advice that fits your current needs and future plans. With our deep market understanding and years of experience, our advisers stand ready to provide unwavering support across our offerings, helping you secure your tomorrow no matter where you are in Aotearoa, New Zealand.

Mortgages

With our extensive experience in the mortgage industry, we are your trusted partners in securing your first home or investment property. We excel in simplifying the mortgage application process, saving you both time and money. Leveraging our extensive network of over 25 lenders, we can find the perfect solution for your needs. Our seasoned experts are here to provide you with the best advice on selecting the right lender, negotiating competitive interest rates, and structuring your loan with the most favourable terms. And the best part? Our services are completely free for you, as we are compensated by the lender.

Insurance

Life can be unpredictable, presenting both opportunities and challenges. While these uncertainties can add excitement, they can also pose potential setbacks. Insurance acts as a safety net, protecting you, your loved ones, your lifestyle, and your future. Our licensed Financial Advisers specialise in creating customised insurance solutions tailored specifically to your needs, whether for you, your family, or your business. With our expert guidance, you can have peace of mind knowing that you are well-protected for any unforeseeable circumstance.

Investments

KiwiSaver is a unique investment opportunity. Whether you are striving to buy your first home or saving for retirement, we are dedicated to helping Kiwis maximise their KiwiSaver benefits. Our team of experts will provide you with the information you need to make informed decisions about your KiwiSaver provider and investment strategy, ensuring you stay on the right track.

Financial Planning

Our Financial Planning service is your comprehensive roadmap for transforming financial stress into strategic success. Whether your goals involve reducing debt, improving cash flow, purchasing property, accelerating mortgage payoff, or saving significantly on interest payments, we provide the clarity and direction needed to achieve them. Our service empowers you to clearly understand your financial position and objectives, enabling you to anticipate risks, overcome obstacles, and maximise opportunities effectively.

Our Partners

Make your finances work for you and your family with our mortgage repayment calculator

Looking for professional ways to manage your finances and mortgage, our comprehensive tools can do it in a few clicks. Determine your mortgage repayments with ease. If you have any questions, our expert financial adviser will be happy to guide you through every step of the mortgage management process.      

Zigi Financial Services Limited, owners of Advisenow
Home-loan planning tool

Mortgage Repayment Calculator

Estimate your regular repayments, total interest and how much time or interest you may save by paying a little extra.

Your loan details

Adjust the figures below. Your estimate updates automatically.

$
Enter the amount you expect to borrow or currently owe.
%
years
Repayment frequency
$
Optional. Ask your lender whether extra repayment limits or costs apply.
Estimated repayment
$0per fortnight

Principal-and-interest estimate.

Estimated total interest$0
Estimated total repayments$0
Interest potentially saved$0
Estimated time saved0 months

Estimated loan balance over time

Indicative only
Your next step

Turn your estimate into a lender-ready plan

Pamela can help you compare options, structure your loan and understand the next steps for your circumstances.

Loan amount$0
Interest rate0%
Repayment$0
Your form details are sent securely to Zigi Financial Services Limited.
Important information: This calculator provides estimates for general information only. It does not constitute personalised financial advice, a loan offer or a guarantee of approval. Calculations assume a principal-and-interest loan with a constant interest rate and regular repayments. Actual lender calculations may use daily interest, fees, different compounding methods or other terms, so results may vary. Extra repayments may be restricted or incur costs. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

Combining expertise with understanding

I am Pamela, the founder and principal adviser at Advisenow, providing professional mortgage, insurance, and KiwiSaver advice across New Zealand.

I am a qualified Mortgage, Insurance, and KiwiSaver Adviser with extensive experience helping clients make informed and confident financial decisions.

My work includes supporting first-home buyers, assisting with property refinancing, providing personal insurance advice, and delivering clear, practical KiwiSaver guidance, all tailored to individual and family financial goals.

I have access to more than 40 lenders, 8 insurance providers, and 4 KiwiSaver providers, allowing me to offer a wide range of options and deliver advice tailored to each client’s needs. I work with clients nationwide, providing flexibility and support regardless of location or financial circumstances.

Before establishing Advisenow, I spent several years working across three major banks in New Zealand, progressing into senior leadership roles. This experience gave me a strong understanding of lending policies, credit assessment processes, and insurance decision-making.

It also provided valuable insight into how financial institutions operate and highlighted where many clients were not receiving clear or personalised financial advice.

Recognising this gap, I founded Advisenow to deliver a more client-focused financial advice service grounded in transparency, integrity, and long-term relationships. I am committed to ensuring my clients fully understand their options and feel confident and supported at every stage of their financial journey.

I work closely with individuals, families, and professionals across a wide range of circumstances, taking the time to understand their financial positions, lifestyles, and future objectives.

I develop financial strategies that align with each client’s needs, whether that involves securing a home loan, reviewing insurance cover, or planning for long-term financial security through KiwiSaver.

My advice philosophy is centred on clear communication, practical recommendations, and ongoing support. I take pride in simplifying complex financial information and delivering advice that is compliant, easy to understand, and genuinely tailored to each client.
Through Advisenow, my goal is to provide trusted mortgage advice, insurance planning, and KiwiSaver solutions that give clients clarity, confidence, and control over their financial future.

Zigi Financial Services Limited, trading and operating as Advisenow, is a Financial Advice Provider (FAP) regulated by the Financial Markets Authority (FMA) and holds a Class 2 licence. Our Financial Services Provider (FSP) number is 1007853.

Don't take our words for it. Take theirs.

Explore our financial resources hub

At Advisenow, we want to help you make informed decisions. That’s why we have dedicated a page to providing the latest news, updates, articles, insights, and guides to empower your financial journey.

Tell us briefly how we can help

Contact us today to discuss how we can help you. Alternatively, you can call us on: 0221022898

Open Mon-Fri, 8:30am - 5pm