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At ADVOCO Mortgages we've refinanced hundreds of Kiwi home owners providing them a 'personal banker' experience ... advising them on fixed rates, mortgage structure, ownership structure, how to reduce years off their mortgage and save thousands on mortgage interest plus much more...

If you are like many of my clients and you’re looking for a personal banking experience ( personal bankers can change regularly ) - then I have some great news. You'll get...

A full time Personal Banker - Steve McGowan24 years experience, 14 years as a mortgage adviser and 10 years in banking – Steve will put your interests first, not the banks when it comes to mortgage and insurance advice.

No fees whatsoever on your transactional account – saving you those annoying monthly bank fees.

Excellent fixed rate offerings and mortgage structure to suit you not the bank – very competitive fixed rates with discounts off the advertised interest rates.

Easy and fast Top Up Home Loan requests – up to $50,000 per year with 20% equity – no more endless paperwork when you wish to top up your loan for minor renovations, new car or overseas trip.

Mortgage holidays on your repayments, if things get tight or you need a break

We guide you on how to repay your mortgage off faster – a few dollars a week can reduce your mortgage term in years and save thousands if not tens of thousands in interest repayments.

No cross selling of unwanted credit cards, overdrafts or personal loans – ( bank staff have huge pressure to sell you more debt each time you visit the branch )

Full access through phone banking, ATM's and internet banking.

Consolidate high interest loans to lower interest and reduced repayments.

Release equity for family members or upgrade motor vehicle, overseas travel or buy an investment investment property.

If your refinance home loan is over $250,000 you will receive $2,000 (in some cases more) as a thank you for your business. Loans of $100,000 to $249,999 will receive $1,500 (in some cases more). T&C's apply.

Refinancing your mortgage in most cases is exempt from the Reserve Bank loan to value restrictions if your mortgage is over 80% loan to value ratio.

Talk to us – with 24 years in finance we can share some great home loan advice to make your refinance stress free as possible.



All the above is only available through Home Loans

Of course we also deal with the other main stream banks too....


So let’s get started call on 0800 ADVOCO (0800 238 626)

Complete our 1 minute enquiry form


...using Advoco's Mortgage services for the first time almost 10 years ago and we have not looked back

We started using Advoco's Mortgage services for the first time almost 10 years ago and we have not looked back since then. Steve's services have been paramount to our success with buying our own family home and several investment properties around New Zealand.

We recommend Steve's services to both first home buyers and seasoned property investors. With Advoco you will be advised on how you can pay your mortgage much faster than you would have thought possible.


which just goes to show that signing an agreement with Steve is just the beginning not the end of his service to his clients...

When my wife and I were looking to purchase our first house we tried to go to the banks first and soon found that they weren’t that helpful with providing first time buyers with the information we needed.

We decided to go with a mortgage broker and were lucky enough to find Steve McGowan. Steve was more than happy to meet with my wife and at times that was convenient for us and provided us with the information we needed.

Steve presented us with options that suited us and just made the whole process run smoothly. Throughout the last 8 years he has been there to give good advice and always keeps in touch which just goes to show that signing an agreement with Steve is just the beginning not the end of his service to his clients, this is why we have had no hesitation in recommending him to our family and friends.

Kind Regards
Jason & Marlene Woonton.

I highly recommend using Steve as a Mortgage Broker...

I have always found dealing with Steve McGowan very comforting. Refinancing can be stressful, especially when accounting is not your forte’. Steve has always taken over the process, telling us exactly what to do and what not to do and has made the process very smooth. I highly recommend using Steve as a Mortgage Broker.

Greg & Nancy Doherty


~ A Personal Disclosure Statement is available free of charge ~

Testimonials Steve McGowan
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