Est 2016 - Kevin Russo - Director - Mortgage Advisor

Mortgage Advice you can Trust

Navigating the maze of different Lenders can be daunting for anyone looking for a Mortgage. Whether you are a First Time Home Buyer, thinking of Building or Purchasing your New Home, Investing in Property, Upgrading, Refinancing or just Re-fixing your home loan- it pays to be able to access the right knowledge and advice. That’s where Mortgages 101 can help.

About Mortgages 101

Mortgages 101 Ltd is a locally owned and operated company that was established in 2016 by it’s Director-Kevin Russo with the aim of providing uncomplicated Mortgage Advice that everyone from a First Time Home Buyer, through to a Property Developer can understand- quite simply Mortgages 101

This straightforward approach is based on sharing my knowledge & experiences of working within the Financial Services Industry over the past 30 years, further assisting my clients to achieve their goals & dreams.

Mortgages 101 provides a Client centred approach to assisting its clients with their Financial Requirements, whilst delivering an outstanding level of service that I believe is second to none.

This is backed up by core philosophies of Trust, Honesty & Integrity in what I do, whist maintaining a positive and pro-active approach and going that extra mile to meet my client’s needs & requirements.

Taking out a mortgage whatever your circumstances can be the biggest Financial Investment that you are likely to do in your lifetime. It’s therefore important to have a Mortgage Adviser by your side who is independent & impartial in the process, but who is working on your behalf to provide you with good advice and ensuring a successful outcome.

At Mortgages 101 I want every client I deal with to feel valued & appreciated for their business so that we continue our relationship whatever age or stage in life you may be at. It is also your personal recommendations to your friends, family & work colleagues that allows me to continue growing my business and delivering an outstanding level service whatever your Financial requirements may be.

Kevin Russo-Director
Mortgages 101


First Time Home Buyer

Are you a First Time Home Buyer wondering where do I start & not sure how the process of Purchasing or Building your new home works?? Well at Mortgages 101 I’m here to help guide & assist you through the pitfalls of getting Pre-Approved, ensuring that the process is as stress free as possible.

As a Mortgage Adviser I am independent & impartial from the banks, so I am working on your behalf to assist you. Not only will I provide you with my experience & knowledge along the way but also negotiating Interest Rates & Cash Contributions with the banks based on your own unique situation.

Purchasing or Building your first home can seem to be daunting but doesn’t need to be, and you may even qualify for a Home Loan with as little as a 5% or 10% deposit. I can even assist you with determining whether you can access your Kiwisaver funds or even the Home Start Grant to assist you with your new home.

Why don’t you look to give me a call to find out whether you would qualify for a Home Loan. We can then arrange a time/ date to meet up for a Free consultation and to go through things in further detail.


Construction Loans

Have you ever thought about Building your new Home or a Rental Investment property??

With the Reserve Bank of NZ’s LVR restrictions for over 80% borrowing there has never been a better time to explore the option of Building a new Home or an Investment property, as building is exempt from these restrictions.

The reason for this is that the NZ Government wants lots of new homes to be built that are modern, compliant, insulated & healthy homes for families to live in.

Do you want to find out the differences between a Turn Key Build or a Fixed Price Contract with progressive payments?? Is it better to purchase the land yourself or look to complete a Home & Land Package, these are all things that I can help to navigate you through the process.

You may also qualify as a First Time Home Buyer to utilise your Kiwisaver funds towards building your new home & also the Home Start Grant where you could benefit to the tune of $10k per person.

I will work constructively with Building Companies, Solicitor’s, and the Bank’s to ensure that the process of building your new home or rental investment is as seamless as possible.

At Mortgages 101 I want you to enjoy & embrace the process of building your new home or rental investment, so give me a call to find out more around where I can assist you.



Do you feel that your current lender is providing the right service & solutions for you based on your specific requirements?? Have you found out that your current circumstances mean that you now fall outside of your existing bank’s lending criteria and can’t access further borrowing?

Do you find your current lender restrictive & feel that they aren’t offering you a competitive deal?

Then it may well be time for you to look at Refinancing your lending, and for me to help explore other options and alternatives based on your current circumstances.

Not every Bank/ Lender is the same, and there are a wide range of lenders to suit everyone’s needs & requirements.

Please feel free to give me a call so that I can find out more around your circumstances and how I may be able to assist you going forward.


Re-fixing your Home Loan

Is your current mortgage about to expire, and you are undecided on your options of re-fixing your mortgage.

I can help navigate you through the process, whilst working on your behalf to negotiate competitive Interest Rates with your bank in line with the current marketplace.

You may have found that your circumstances have improved or changed since you took out the initial mortgage. This being the case, I can provide you with good advice in terms of how you structure your loans to meet both short- & long-term goals.

It is a combination of obtaining a good rate and good advice on how you structure your lending that will enable you to get to your goal of being mortgage free.

Please feel free to give me a call so that I can find out more around your circumstances and how I may be able to assist you.


Business Lending

Are you looking to purchase a Business, and require assistance on where to start and what information the banks will require from you?

Have you sought the advice of professionals such as an Accountant for your new venture or had a Solicitor look through your legal obligations? These are just some of the things at Mortgages 101 I can look to work through these obstacles with you.

Please feel free to give me a call so that I can find out more around your circumstances and how I may be able to assist you.


Equity & Developer Finance

Are you in the position where you have built up good equity in your properties and looking to maximize the potential from this?

Do you happen to fall outside the mainstream banks lending criteria but have good equity, and are looking at a short -term funding solution?

Are you looking to sub-divide or have development opportunities?

If the answer to the above questions is Yes, then give me a call to talk through your plans to find out where I may be able to assist you.


Vehicle & Asset Finance

Keen to purchase a new car for the family, or a new Ute for the business? A Boat, Caravan or Jet-Ski?

Or alternatively a Haulage Truck, Heavy Machinery, Helicopter or Plane?

Whatever your circumstances I have access to a range of Vehicle & Asset lenders who can assist you.


Personal Loans

Have you found that your Credit Cards are spiralling out of control & feel that you’re never going to be able to repay them?

Are you wanting to consolidate a raft of short-term debts into one loan, to improve your cash flow or to help get you into your new home?

A Personal Loan may be an option for you to consider, and one that I can look to assist you with in terms of helping you with your financial goals.


As a Mortgage Adviser I have a duty of care for my clients, and this means ensuring that you have adequate Risk Insurances in place if the worst was to happen.

Protecting your ability to earn an Income is one of the most important facets that many people don’t even think about.

Without an income coming in it affects your ability to repay your mortgage, pay for every day essentials & your ability to live the lifestyle that you have been accustomed to.

If the worst was to happen to you or your loved one, then having some Life insurance in place can provide peace of mind at a time of need. Knowing that your mortgage has been repaid in full or significantly reduced, helps to alleviate any financial concerns at a time of huge emotional stress.

There are a range of different Risk Insurances to cover all eventualities such as Life Cover, Income Protection, Trauma & Permanent Disability, & Health Cover so it pays to talk to an expert that can provide the right advice based on your own specific circumstances.

Mortgages 101 Ltd can refer you to an expert Insurance Advisor who are there to help discuss these options with you.



We recently worked with Kevin on our first build and could not have done it without him. Originally meeting with him at the beginning, he gave us a realistic overview of what to expect and what moves we should take in order to achieve this build. We never felt he was biased or judgemental of our situation, we always felt we could call with any question at anytime, which was imperative with it being our first build. The most helpful part for us was how he liaised with our construction company and bank in regards to funding the project, ensuring financial deadlines were met in a timely manner, it was one less thing we had to think about.

We wish you well on this venture and would never hesitate to recommend to our family and friends.

Bronwyn Walker and Daniel Weenink.

My wife Emma and I had nearly given up on buying a house let alone building a house after going to a couple of different banks and getting turned away. But after meeting with Kevin he filled us with hope. He came to our house one evening at a time that suited us, and was really positive and pro-active providing us with some great financial advice.

He soon found us a bank that would provide us with the mortgage we required to build our new home & was able to help assist us along every step of the way. Kevin was also able to assist us with some debt consolidation & Insurance for our family too. We still keep in touch with Kevin for our mortgage advice, even after we have moved into our newly built home.

Myself & Emma could not thank & praise Kevin more highly than we do. We feel that we could not have done this without Kevin’s help and have highly recommended him & his services as a Mortgage Adviser to everyone we know.

Kris & Emma Tolson

After our decision to build our home with GJ Gardner in March 2018, we were referred to Mr Kevin Russo to advise us on our lending requirements.

We found Mr Russo very knowledgeable in mortgage lending. He found solutions to what appeared to us to be barriers to achieve our goal.

He is a polite genuine person. His communication skills are excellent. The subsequent mortgages and building processes went smoothly without a hitch.

We have no hesitation in recommending Kevin to anyone looking to him for his services.

Allan & Stephanie Smyth