WELCOME TO LEON CHEN MORTGAGE LIMITED

New Zealand mortgage consultants help you complete your mortgage application more clearly and efficiently.

Whether you are a first-home buyer, purchasing a residence, investing in a property, refinancing, applying for a construction loan, or need financing for your car and equipment, we can help you find the most suitable loan plan based on your income, down payment, assets, and bank policies.

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Licensed Credit Advisor FSP742471 | Mandarin Communication | Serving Throughout New Zealand | 14 Years of Credit Industry Experience

Are you experiencing these problems?

Loans are not just about interest rates; more importantly, it's about whether the loan plan suits your needs.

Many customers, before applying for a loan, are not really troubled by "whether or not to buy," but rather by:

How much money can I borrow?
Will my income be recognized by the bank?
Is the down payment enough?
How do I use KiwiSaver?
Can I apply for self-employment income?
Can I still get a loan for an investment property?
Should I switch to a different bank after my fixed-rate loan matures?
Are construction loans more complicated than regular mortgages?

If you also have these problems, consulting a professional loan advisor in advance to develop a solution is often more effective than repeatedly guessing on your own.

Business Scope

We offer loan services from major New Zealand banks and financial institutions. Whether you are a first-time homebuyer, property investor, or building developer, we will provide you with a full range of loan products and financing solutions to help you achieve your goals.

housing loans

Suitable for first-time homebuyers, owner-occupiers, those upgrading their homes, and investors. We will assess your loan amount, bank selection, and application process based on your income, expenses, down payment source, and home purchase goals.

Loan Refinance / Bank Transfer

This is suitable for customers whose fixed-rate loans are about to expire, who want to compare different bank plans, negotiate cash back, reduce repayment pressure, or restructure their loans. We will help you determine whether it's worth switching banks based on your current loan situation, break fees, cashback, and future plans.

Construction loans and development loans

Suitable for clients seeking to purchase land for housing construction, build on existing land, divert development, or finance projects. We will assist in designing financing strategies based on the project stage, budget, valuation, revenue situation, and funding gap.

Auto and equipment loans

Suitable for individuals or businesses seeking financing for the purchase of vehicles, equipment, machinery, tools, etc. We will match you with the most suitable lending institution and application method based on your intended use and repayment ability.

Why choose Leon Chen Mortgage Limited?

Understand bank approval logic

Applying for a loan isn't just about submitting your documents. Banks consider factors such as income stability, debt situation, source of down payment, credit history, asset structure, and future repayment ability. We'll help you identify the key areas beforehand to minimize unnecessary back-and-forth communication.

More partner institutions to choose from

Understanding the needs of Chinese customers in New Zealand

Many Chinese clients have complex income structures, family assets, overseas funds, company income, self-employment status, or investment arrangements. We can communicate in Chinese and organize this complex information into an application logic that is easier for banks to understand.

Continuous follow-up from before application to after closing.

More partner institutions to choose from

We represent loan products from multiple banks and financial institutions in New Zealand, allowing us to compare different loan options based on our clients' circumstances, rather than being limited to a single bank.

Understanding the needs of Chinese customers in New Zealand

Continuous follow-up from before application to after closing.

From initial consultation, credit limit assessment, document preparation, bank submission, approval follow-up, loan structure confirmation, to pre-closing document coordination, we will assist clients in completing key steps.