I'm Dan Breed. I work with every major bank in New Zealand, it costs you nothing to use me, and in my book there's no such thing as a silly question.
Book a Free Chat with DanDownload My Free Refinancing Guide
Partnering with Dan means accessing expert mortgage advice on a schedule that works for you. The focus goes far beyond standard paperwork to build a long-term strategy tailored to your financial goals, combining nationally recognised advice with deep local market knowledge.
Refinancing helps you evaluate whether your current bank is truly giving you the best deal or if staying put is costing you money. By dispelling common refinancing myths, you gain a clear, step-by-step understanding of the switching process and the hidden costs of auto-renewing your fixed rate.
First-home buyers get full transparency on the critical details rarely shared upfront, from securing pre-approval to managing finance timelines and contract conditions. You will learn how to compete confidently at auctions or multi-offer situations, while making KiwiSaver withdrawals and initial loan structures simple to understand.
Choosing the right lender means evaluating fixed, floating, or split rate options to match your cash flow and risk tolerance. Strategic loan structures can shave years off your mortgage and save thousands in interest, providing clear answers to the most common mortgage questions along the way.
A clear picture of what you can actually borrow, how your KiwiSaver fits in, and what the banks will want to see. Pre-approval sorted before you start looking, so you are not guessing at open homes.
Checking whether your current bank is still the right one for you. Most people roll onto whatever rate they are offered at the end of a fixed term without ever testing it against the rest of the market.
I go to auctions with my clients, put together informal valuation reports, and help you understand the contract conditions a real estate agent might not spell out.
Referrals to solicitors, KiwiSaver advisers and insurance people I trust. Not technically part of the job, but it saves you having to find them yourself.
"Dan was really efficient, friendly with sound advice and always available to answer our questions! Even after buying our property Dan has made himself available for any further advice or questions we may have. Excellent service and highly recommended."
"We strongly recommend Dan to support anyone in their home ownership journey! Dan was able to calmly walk us through every step of the process, explaining what was needed, why, and what happens with our information. He was patient, kind, encouraging and understanding throughout."
"Dan Breed is such a great human being & an excellent mortgage broker! He made the entire loan process incredibly smooth and stress-free for our family. His guidance, support, and responsiveness were top-tier from start to finish."
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