OUR SERVICES

Looking for a personalised financial solution? You’ve come to the right place.

RESIDENTIAL FINANCE & ADVICE

Residential

From the excitement of your first home through to renovations, investment properties and more… Vesta will find the right financial solution to suit your needs perfectly.

  • Looking for a better rate or ready to look for the next place to call home, we can review and recommend the best option for your mortgage.

  • If you are ready to invest in property, it's equally important to ensure you get the right finance solution. Let us guide you through the process.

  • Whether you are building your first or fifth home, with our expertise you’ll secure the best finance option.

  • Navigating a new country’s financial system can be a challenge. Let us help you secure a home loan in New Zealand.

  • Not sure how far the budget will stretch, nervous you might spend too much or simply don’t want all the funds released at once, let’s talk.

  • If you’ve found the perfect property but your home has not sold, let’s find a way to bridge that gap.

  • Dreaming of buying your first home but not sure where to start. Talk to us and we’ll walk alongside you every step of the journey.

  • If your circumstances or the market has changed, you might consider refixing your home loan to take advantage of lower interest rates or a change in the terms.

For more information please email hello@vestafinace.co.nz or book your free discovery call.

COMMERCIAL FINANCE & ADVICE

Commercial

At Vesta, we help business owners get finance to start, acquire and grow their business & property portfolios. Vesta have the connections to give you the best financial support available, with specialised advice to help navigate the ever-changing business landscape.

  • Are you looking to buy an existing business. There are a number of ways to finance an acquisition.

  • Are you looking to purchase the premise you operate from? Perhaps you have outgrown your current premise. We can help fund both owner occupied and investment commercial properties.

  • Cash is king for business owners. Do you truly understand your cashflow and have the right funding structure in place.

  • Looking to start a new business, buy an existing one or assist with cashflow lending, talk to us about the best way to get your business in shape

  • Time to upgrade the fleet or need new equipment, we understand asset finance so let us find the best option for you.

  • Helping you get the funds you need to bring your property projects to life.

  • Do your business finances need a tidy up? Talk to us about looking at a debt consolidation that will help smooth out cashflow in your business.

  • Have you been offered the opportunity to purchase shares in a business. Maybe its the company you already work for. We can help you fund the buy in.

  • Family succession or management buy outs are a common way for existing owners to step down from the business. We can help leverage the existing businesses performance and cashflow to fund the purchase.

For more information please email hello@vestafinace.co.nz or book your free discovery call.

RESIDENTIAL FINANCE & ADVICE

KiwiSaver & Financial Wellness

A strong financial future starts with the right plan. We take the time to understand your goals. Whether you are saving for your first home or planning for retirement, we’ll ensure your money is working hard for you.

  • We are here to help you build your wealth and set you up for retirement. KiwiSaver can be a fantastic tool to enable this. Get in touch to get personalised advice.

  • Think of this as a friendly check-in on your money - where you’re at now and what steps you can take to reach your goals. We will discuss money habits, budgeting, lending structures, smart strategies and wealth building options.

  • When was the last time you received an independent review of your business finance structure? Don’t get complacent and ensure you have the best structure and pricing to enable your goals and business growth.

For more information please email hello@vestafinace.co.nz or book your free discovery call.

OUR PROCESS

Step 1

INITIAL CONVERSATION

At our initial meeting we will chat through your financial goals in the context of your family or business. We will then dive into your current financial position including income, assets, liabilities and expenses so we can more accurately assess your capacity. We are open to doing meetings in person in Hawke’s Bay or alternatively video if you live outside of the region.

Step 2

RESEARCH

After our initial meeting we will research the most competitive and suitable lending providers for your particular situation and goals. Our research ensures we create a tailored solution for your family or business that aligns not only with your goals but also your values.

Step 3

RECOMMENDATIONS AND ADVICE

We will arrange a second meeting to discuss our recommendations and reasons behind them. We chat through the strategy behind our thinking and explain the next steps to execute the plan.

Step 4

GUIDANCE THROUGH APPLICATION AND SETTLEMENT

Once you have selected your game plan. We will collect the relevant supporting documentation and take care of the application process from initial submission right through to settlement. We make this as easy and seamless as possible so you can get back to doing what you love.

Step 5

POST SETTLEMENT CARE AND CHECK INS

Consider us your personal bankers! We are here to partner with you on your financial journey and depending on your goals will set up regular check-ins. At a bare minimum all clients will be given the opportunity for an annual review however we know that one size does not fit all so we will arrange a frequency that aligns with your goals.

KIND WORDS

Jess is amazing, Her experience, expertise and her approachability is invaluable to us.”

CLIENT WORDS

FREQUENTLY ASKED QUESTIONS

See our list of frequently asked questions. For in-depth answers to anything not covered here, contact the Vesta team.

  • We work with all major banks and a wide range of lenders across New Zealand. This enables us to compare and negotiate on your behalf to secure the most competitive rates and terms tailored to your unique needs.

  • Transparency is a core value for us. We’ll provide a clear breakdown of any potential fees upfront so there are no surprises. In most cases, our service is funded by the lenders we work with, meaning there’s no direct cost to you.

  • We offer a structured, hassle-free process. From the initial consultation to closing, we handle the heavy lifting, keep you informed every step of the way, and work around your schedule to make it as seamless as possible.

  • We aim to match you with a lending option that aligns with your lifestyle and future plans. We will walk you through all conditions, ensuring you understand and feel comfortable with the flexibility and options available.

  • Absolutely. We’re here for the long term and stay committed to our clients beyond the initial transaction. Whether you have questions down the line or want to explore new opportunities, we’re just a call or email away.

  • We are well-versed in strategies to help mitigate financial risk and adapt to changes in the market. We’ll help you explore options for fixed rates, flexibility, or refinancing strategies should your situation change.

REACH OUT

Book a Free Consultation

KIND WORDS

“Jess is great - she listens, is responsive to our needs, fast and effective communicator. Reliable.”

CLIENT WORDS