About us

Dear friends!

At Life-n-Loans, we believe that managing your finances and planning for debt is deeply personal. That’s why we lead with a friendly approach, one that might seem unusual for financial services but is fundamental to how we operate. We offer a wide array of financial solutions, but our true point of difference is the value we place on lasting relationships and proven integrity.

Our diverse clientele chooses us because they seek a trusted partner for their financial journey. Our guiding principles are People, Relationships, and Results, and it’s this commitment that inspires so many of our new clients to come to us through the trusted recommendations of others.

The Team

We’re here to help you take the stress out of managing your debts – whether it’s your mortgage, personal loans, or business finance – and to make sure you and your family are protected with the right structures
Think of us as your partners in simplifying the often-confusing world of debt. We work together to get a clear picture of your finances and then put solid plans in place that really work for you. Having your debt sorted and your family’s future secure shouldn’t feel complicated, and that’s where we come in.
We’ve both been there ourselves, navigating mortgages and finances to best suit your lifestyle That personal experience helps us connect with you and understand what really matters. We’re committed to giving you straightforward, honest advice you can trust.

We love chatting with people and making things clear. So, if you’ve got any questions about your loans or your structure, please don’t hesitate to reach out! You can also follow us on social media for helpful tips and a little bit about what we’re up to.

Kaushik

As a Mortgage Adviser with over 15 years of experience in the finance industry, I specialise in smart loan structuring and helping clients reduce interest costs over the life of their loans. My approach is strategic yet personal — I take the time to understand your goals, tailor solutions to your circumstances, and ensure you feel confident at every step of your financial journey.

Originally from India, I’ve been proud to call New Zealand home since 2002. I live with my wife and we have two grown children who inspire me every day. Outside of work, I’m passionate about travel, and culture.

What motivates me most is seeing families create financial freedom through well-structured lending — and knowing I played a part in helping them get there.

Bronwyn

As a Client Support Specialist, with more than 8 years in the finance industry, I bring warmth, structure, and care to every client experience. I’ve recently completed my Level 5 Certificate in Residential Lending and am transitioning into an adviser role soon — a move that reflects my passion for helping people achieve their home ownership goals in a way that’s both informed and empowering.

Originally from South Africa, I moved to New Zealand in 2023 and live with my fiancé, and our beautiful baby girl. Outside of work, I’m passionate about photography, family time, and capturing the little moments that make life special.

What motivates me most is being part of a team that helps people turn their dreams into milestones — and knowing I played a role in making someone’s “one day” become “today.”

Life-n-Loans: Our Commitment to You

Philosophy:

At Life-n-loans, our philosophy centres on the conviction that strategic debt and mortgage management is a critical component of financial wellbeing. We believe that by deeply understanding your unique personal and business financial landscape, we can structure debt solutions that not only alleviate burdens but also create opportunities. Our approach is built on partnership, transparency, and a genuine desire to make a positive impact on your financial health, providing a solid foundation upon which you can pursue your broader objectives.

Vision:

Our vision is to be recognised as the leading partner in empowering clients to achieve greater financial stability and flexibility through expert debt and mortgage solutions. We aim to make a tangible difference by simplifying financial complexities and structuring debt in a way that enhances our clients’ capacity to manage their personal and business lives more effectively. We see successful debt management as a key enabler of our clients’ overall financial resilience and peace of mind.

Policy:

Our policy is to deliver optimal client outcomes through Strategic Structuring, Diligent Management, and Clear Guidance in all debt and mortgage matters.

Strategic Structuring: We meticulously analyse each client’s financial situation to design debt and mortgage structures that are efficient, sustainable, and aligned with their current realities and future financial considerations. Our focus is on creating manageable and beneficial debt frameworks.
Diligent Management: We provide ongoing support and proactive advice to ensure your debt structures remain appropriate and continue to serve your best interests as your circumstances and the market evolve. We are committed to the long-term efficacy of the solutions we implement.
Clear Guidance: Integrity and transparency are paramount. We are dedicated to offering clear, straightforward, and honest advice regarding your debt and mortgage options, empowering you to make informed decisions that contribute positively to your overall financial position and help you navigate your personal and business affairs with greater confidence.

Let's talk about your mortgage needs

We’ll can arrange a meeting at your home or office.

Philosophy

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