Stephen McFarland
Home Loan Adviser

Milford Local. Supporting North Shore Wide.

Helping first home buyers, homeowners and property investors find the right lending solution.

Thinking About Refinancing?

You don't need to be changing banks to benefit from a mortgage review.A mortgage review could help you:

  • Check if you're on a competitive rate

  • Improve your loan structure

  • Reduce interest costs over time

  • Access equity for future plans

  • Understand your options before your fixed rate expires

  • Explore solutions from a range of lenders

About Me

I specialise in residential lending and refinancing, helping first home buyers, homeowners and property investors navigate their lending options with confidence.With more than 20 years of experience across professional services, construction and property, I bring a practical approach focused on clear advice and tailored solutions.Based in Milford, I'm proud to support clients across the North Shore and Auckland.

How I Can Help

  • Home loans for first home buyers

  • Lending solutions for upsizing, downsizing and moving home

  • Refinancing and reviewing your current lending

  • Investment property lending

  • Clear advice and support at every stage

What You Can Expect

  • A personalised approach based on your goals and situation

  • Responsive, client-focused service built on 20+ years of client and leadership experience

  • Clear, straightforward advice without unnecessary jargon

  • Access to a wide range of lenders and financial solutions

  • A simpler, less stressful mortgage experience from start to finish

Backed by Finance Link

As part of Finance Link, I’m supported by an established financial services provider with access to a wide range of lenders and financial solutions.This means you benefit from:

  • Access to 30+ lenders across New Zealand

  • Access to competitive lending options and solutions

  • Greater flexibility when exploring your options

  • A structured and compliant advice process

Combined with a personalised approach, this allows me to focus on finding solutions that are aligned to your needs and circumstances.Finance Link is a New Zealand-based financial services provider supporting advisers and clients nationwide.

Ready to Talk?

Start with a conversation about your situation and your options. I’ll help you understand what’s possible and what the next steps could look like.

Proudly Milford Local.
Supporting North Shore Wide.