advisor
monique riley
Registered Financial Advisor - Mortgages
At Blossom, we believe great mortgage advice is about more than just interest rates, it’s about helping you make confident, informed decisions that help you to achieve your financial and property goals, structuring your mortgage in a way that best supports and benefits you over the long term.
We offer mortgage advice and support for:
Refixing
Refinancing
Restructuring
Top Ups & Debt Consolidation
With near 2 decades of experience in the banking and finance industry including Credit Management in specialist and non bank lending, we understand how lenders assess applications and how to source solutions that work for our clients.
With a background that includes owning a residential building company, studying architecture, and a NZ Real Estate Sales Certificate, this gives a well rounded understanding of all things property, not just lending in isolation!
We keep advice practical, and aim to simplify the lending process, provide honest guidance, and help you feel informed and empowered every step of the way.
With access to a wide range of lenders, including non-bank and specialist providers, we are well placed to support even the most complex borrowing needs.
Whether you’re just exploring your options or ready to take the next step, we'd love to help you with your property and finance needs and goals. A quick 5 minute no obligation chat is the best place to start.
Buying your first home is exciting, and sometimes overwhelming! I’ll guide you through the entire process, from understanding your budget and KiwiSaver options to getting your pre-approval and making it happen.
Straightforward, supportive advice every step of the way.
Looking to build wealth through property? I can help you secure the right lending solution to grow your portfolio, whether you're purchasing your first investment, refinancing for better terms, or expanding into multiple properties.
Smart structures, sharp rates, and expert advice to maximise your return.
Refinancing can unlock better rates, improved loan structures, and in some cases, healthy cashback contributions.
If you have a fixed rate due to expire, or considering whether you should refinance, I’ll walk you through it. I'll compare new rates, cashback offers, any costs involved, loan structure and potential long-term interest savings, so you can make an informed decision with confidence.
Buying before you sell?
A bridging loan can give you breathing space. I’ll help you understand your options, weigh the risks, and secure a short-term solution that works for your timeframe, whether you're upsizing, downsizing, or relocating.
Not fitting the traditional bank’s boxes? No problem. Whether you're self-employed, have unique income, past credit issues, or just need more flexibility, I work with a range of non-bank and specialist lenders who look beyond the standard checklist.
Having worked for years in the Non bank space, this is something I'm well experienced in.
Running your own business can make financing and borrowing money a bit more complicated.
I understand how to present strong applications for self-employed borrowers and SME owners.
Whether it’s for a property purchase, cashflow needs, or investment lending, I’ll help you find the right structure and lender.
If you’re looking to access equity, or tidy up some other debts and simplify your finances, a top up or consolidation is going to help you.
From funding renovations, covering a major expense, raising capital for your business, or consolidating existing debts, I’ll help you understand your options and structure it all in a way that works for you.
From land purchase to subdivision, building a new home or funding a full development, I can help source your finance, including outside main bank options if required, structure finance that fits the scope and stages of your project.
I’ll work closely with you to align funding to your timeline and goals.
Registered Financial Advisor - Mortgages
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