As a mortgage broker I can facilitate home loans and other finance options for New Zealanders.  Knowledge is power and my aim is to be upfront, honest and helpful to you. See a list of my core services below and get in touch today so we can work together to get your finances sorted!


The first time buying a house is a big deal.  There’s a lot to do and where do you start? You start by calling me.  I will guide you through the home loan approval process, engaging a lawyer, what to do when you find a house you love and guide you right through to moving in day.


Perhaps it’s time to move on to your next home, renovate your current home or you want to know how you can get ahead faster on your current home loan.  These are all things I can help you with using an open-minded approach to get the best arrangements for you. These may be at your current bank or at a new bank.  Let me do the hard work for you.


For whatever reason, sometimes we just don’t have the finances lying around to achieve the goals we’ve set.

If you need a loan to buy a new car, go on holiday or consolidate debts, I can help.  I work with personal loan providers who can offer competitive solutions. 


Have you dreamed of building your own home?  Surely it should be as easy as getting the loan approved and letting your builder get started?  Sadly no, there are more things to consider with a home build. The banks are more conservative when lending for construction loans.   I have helped finance many home constructions. Some banks are better at this than others, let me find the solution for you.


The Reserve Bank of New Zealand has placed restrictions on property investors.  How does this impact you? Do you own multiple properties now but need to maintain these and the bank won’t help?  There are solutions available in the current market place, I can help with this.


A debt consolidation loan is when you take out a new personal loan to repay all, or some, outstanding debts through a single monthly repayment. If you are wanting to buy a home but have a few loans and credit cards then debt consolidation can be a great step in the right direction.  Having one loan presents a tidier proposition to the bank and may give you a better chance of getting your home loan approved. Let’s talk about the right option for you.


Kiwisaver is a great savings tool for retirement.  There are additional benefits such as early withdrawals for First Home Buyers.  But how much do you know about your Kiwisaver? This retirement initiative needs to be reviewed regularly and there are vast differences between providers.  I am affiliated with a market leading Kiwisaver provider, let me answer all of your Kiwisaver questions.


A mortgage broker won’t just advise you about your mortgage.

As part of the home loan process we will discuss your insurance needs.  Then I will refer you to a trusted professional to get you covered and have peace of mind.

I can refer you to a trusted life insurance professional and refer you for your house, contents and motor vehicle cover to two trusted brands for comparison.


Here at Melanie Bielawski Mortgages we like to keep it simple. Whether you’re purchasing your first home or you’re consolidating your debts, the way Melanie works stays the same. Click below to learn more about our five step loan process.