Making your dreams come true
Moonstone Financial Services, for first‑home buyers, next‑home buyers, and future property owners
With strong banking experience behind us, we understand how lenders work and what everyday Kiwi families need. This helps us find the best solutions and give honest, reliable advice that fits your situation.
We support clients across New Zealand, guiding first‑home buyers, families, and investors with warmth and clarity. Whether you’re buying, building, or refinancing, we’re here to help you every step of the way with genuine care and the best guidance we can offer.
Our Services
Mortgage and Insurance Services —aligned to your goals
We provide advice that is practical, transparent, and tailored to your circumstances—so you can make informed decisions with confidence.
Mortgage and Lending Advice
Supporting clients through every stage of their home‑ownership journey:
Ongoing support throughout the life of the loan
- First‑home buyer lending
- Investment property lending
- Refinancing and restructuring
- Top‑ups for renovations, upgrades, debt consolidation & asset finance
- Construction lending
- Business and Commercial lending
Insurance Advice
Life, Health, and Disability
Providing protection that supports clients and their families:
- Life insurance
- Trauma/critical illness cover
- Total & permanent disability cover
- Income protection
- Mortgage protection
- Health insurance
- Tailored insurance reviews and claims support
Financial Guidance
Customer Education and Empowerment
Empowering clients with clarity and confidence:
- Market updates and interest‑rate insights
- Home‑buying education
- Budgeting and loan‑readiness guidance
- “Moonstone Whispers” – gentle, easy‑to‑understand updates on the market, rates, and the buyer journey
What clients value
Every client’s situation is different. Here is what people commonly tell us they appreciate about working with Moonstone.
Why Moonstone
How we will work with you
Every engagement with our customers is tailored to your specific needs, and we will customise our approach based on your requirements. In essence, we follow a consistent, broad approach with every new client as follows:
Step 1 – Initial Meet and Greet
We will arrange for an initial meeting to get to know one another. You will get to know us, our role, and have an opportunity to ask us any questions in a stress-free, pressure-free, and confidential manner. Usually, this can take up to an hour, and we normally close these meetings by showing you our public disclosure obligations and if agreed, register you on our website to give you access to more information.
Step 2 – Understanding your goals and objectives
The next step is to understand your goals and objectives and what you want to achieve. We will inform you of what we can and cannot offer. This is known as the Nature and Scope agreement.
Once you agree to proceed with our engagement, we have a small document for you to sign called the Authority & Declaration form – this authorises us to contact banks and lenders on your behalf and to gather financial information about you through a fact-finding exercise.
Step 3 – Completing your fact-find and collecting documents
When gathering information, we will ask questions to better ascertain your financial position and what you can and cannot have at a high level. These can either be filled at your own time via our portal, or can be done together.
We will need key details such as:
- Family details such as dependent children,
- Income and Employment
- Savings, Deposits, Kiwisaver, Gifts, etc
- Loans, Credit Cards, and any other lending you may have, including ‘buy now pay later’ services
- A rough indication of your household expenses
At this point, we may have a good idea on targetted products and lenders. And we will be happy to discuss further details such as pre-approval processes, timelines, lender requirements, insurance requirements, etc. Different lenders have different processes, so we can discuss how your application may be assessed by the lenders
At the end of this step, we may collate and submit your applications to some lenders to get initial feasibility and outcomes.
Step 4 – Clear, practical recommendations
This step consists of several back-and-forths between yourselves and the lenders. They may have additional questions and/or conditions, etc., that we may have to work through. They will also advise on possible structures and terms of the lending services and provide information such as interest rates and cash back that may be applicable to you.
This is one of the last and key steps towards your lending journey. Once we get a clear idea on who we will be going with and the terms and conditions of the lending service, we will provide you with a recommendation option(s) that will detail what your lending service will look like once you go unconditional:
- Loan structure: How much has been approved and how you’d like to split the loan (for example, into two or three parts).
- Loan term: What the loan term, interest rates, and repayments will be.
- Bank contribution: Any cash contribution the bank is offering, any bank agreements that needs to be signed, and an estimate of any fees.
- House Insurance: this has to be finalised
Once you’re happy with the recommendation, you sign the recommendation form, and we send it to the assessor.
After that, the lender arranges the handover to the branch. The bank then sends your loan documents to your solicitor, who will organise a time for you to sign them.
Step 5 – Implementation
At this point, you should have a solicitor working with you to facilitate the conveyancing (the actual process to get the loans approved, titles changed, and settlement completed). If you do not have a solicitor, we can recommend one that we work with on a regular basis.
You will have to sign documents as they come through via the solicitor. And if shifting to a new bank, you may have to go into a branch for opening accounts, etc. We will send through a checklist of actions that must be done prior to and after the settlement of the loans.
We will also arrange for after-settlement care with a communication plan and updates for the future.
Step 6 – Ongoing Support and Monitoring
We are here to support you not just during the lending journey but going into the future as well. This means regular check-ins, scheduled financial health check-ups, and continued assessment and reviews, particularly when coming close to interest rate rollovers.
We understand that financial situations and needs change over time., As such, these reviews allow us to identify future requirements and opportunities should they arise.
Product Providers, we recommend and use
We work with all major registered banks and second-tier lenders for providng lending services to our customers.
- ANZ
- ASB
- BNZ
- Westpac
- Kiwibank
- Cooperative Bank
- PROSPA
- Avanti Finance
- Heartland
- Pepper Money
- Unity Money
- Liberty Finance
- ASAP Finance
- Pallas Capital
- BIZCAP
- CMFL
- Finbase
- Basecorp Finance
- Cressida Capital
- DBR
- First Mortgage Trust
- Funding Masters
- Plus Finance
- Southern Cross Partners
- Xceda
- Vincent Capital
- Simplify
- XE
- The Lending People
Insurance
- nib Insurance
- AIA Insurance
- Life Partners
- Fidelity Life
Next step
Let’s have a coffee!
Tell us what you are working toward, and we will outline how we can help—whether you need a full financial plan, investment guidance, or protection advice.