Leon Zhang - Financial Adviser: Mortgages & KiwiSaver

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.

Most people who think they can’t get a loan have never actually asked. If that’s you, send me a message and we’ll figure...
07/09/2026

Most people who think they can’t get a loan have never actually asked.

If that’s you, send me a message and we’ll figure out where you really stand.

This client had just moved overseas with a lot on, and his fixed rate was coming up for renewal. I used that as a chance...
03/09/2026

This client had just moved overseas with a lot on, and his fixed rate was coming up for renewal.

I used that as a chance to restructure the lending and take some pressure off his monthly cash flow, while keeping him in control of the decisions.

If your fixed rate is coming up and you’d rather not juggle it yourself, flick me a message.

Opting out of KiwiSaver can feel like a smart way to free up cash when money is tight. But it usually costs you far more...
01/09/2026

Opting out of KiwiSaver can feel like a smart way to free up cash when money is tight.

But it usually costs you far more than it saves, because you lose the money your employer adds on top and the growth on all of it over time.

A nice one to work through recently. This couple had a few moving parts, salaried and self-employed income and existing ...
28/08/2026

A nice one to work through recently.

This couple had a few moving parts, salaried and self-employed income and existing investment properties, and they mostly wanted certainty before they started looking.

Getting them clear on their position was the whole job.

If your situation feels like it has a few moving parts too, flick me a message.

Most people can tell you what they earn right now, but not what they are going to need later on. These are the rough num...
26/08/2026

Most people can tell you what they earn right now, but not what they are going to need later on.

These are the rough numbers for retirement here in New Zealand, based on the Retirement Commission’s guidelines.

Have a read, and if you want to talk through how buying a home now plays into that down the track, flick me a message.

“As a major bonus, Leon’s Building background allowed us to feel confident in identifying the quality of the home being ...
24/08/2026

“As a major bonus, Leon’s Building background allowed us to feel confident in identifying the quality of the home being purchased.”

I think this line mean’t the most!

Happy to help!

20/08/2026

I always say being a builder turned mortgage adviser has its advantages, but here’s actually what I mean 👆

10/08/2026

I was paid well and had a company car… but I still chose to switch careers.

Here’s why 👆

Pre-approval ≠ approval.A lot of people find this out the hard way. Pre-approval means the bank has looked at your situa...
24/06/2026

Pre-approval ≠ approval.

A lot of people find this out the hard way.

Pre-approval means the bank has looked at your situation and said “We’d likely lend you around this much.”

It’s a strong signal, and it tells you your ballpark, but it’s conditional, and it usually has an expiry date.

Full approval is when the bank has assessed the actual property and confirmed the loan on it.

The gap matters most at auctions and when an offer goes unconditional, because the property itself still has to stack up.

So treat pre-approval as a green light to go shopping with confidence, just not a blank cheque.

Save this before you start making offers

If you’ve ever been offered less than you expected or knocked back when you earn decent money, this is for you.The bank ...
22/06/2026

If you’ve ever been offered less than you expected or knocked back when you earn decent money, this is for you.

The bank isn’t judging your salary.

They’re working out what’s left of it after your living costs and existing debts, and whether you could still cope if interest rates went up.

That’s ”servicing.”

It’s why two people on identical incomes can get completely different numbers.

The one carrying a car loan and a few buy now pay later accounts has less room than the one who cleared them.

So if you’re trying to lift your borrowing power, clearing the small stuff often does more than chasing a pay rise.

Boring, but true.

Save this for when you’re ready to talk numbers

Address

Level 2, 14 Jervois Road, Herne Bay
Auckland
1011

Telephone

+642108178199

Website

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