Finsol
Emma Fletcher
Mortgage advising
More than a mortgage — a strategy for your future.
I help people turn their property goals into reality by making mortgage lending simpler, clearer, and more achievable.
Who I help
I help first-home buyers, existing homeowners, property investors, and families navigating changes in their circumstances to secure lending that supports their property and financial goals.
The problem I solve
Getting a mortgage can be overwhelming, particularly when comparing banks, understanding lending criteria, and working out what is affordable. I simplify the process by explaining the options, identifying suitable lending strategies, and guiding clients through each step so they can make informed decisions with confidence.
My point of difference
I take a personalised, relationship-focused approach to mortgage advice. I look beyond just getting a loan approved, taking the time to understand each client's circumstances, explain their options clearly, and structure their lending to suit both their current needs and future goals. I aim to make the process straightforward, transparent, and as stress-free as possible.
My niche market
I specialise in helping first-home buyers get onto the property ladder, homeowners looking to restructure or refinance their lending, and clients with more complex circumstances who need a tailored approach. This includes clients navigating separation, self-employment, investment properties, construction lending, and building equity for future opportunities.
Key benefits
Personalised lending strategies: Advice tailored to your financial position, lifestyle, and property goals. Clarity and confidence: Understand your options, lending requirements, and what you can realistically afford. Support from start to finish: Guidance throughout the application process, from initial planning through to settlement. Smarter lending decisions: Explore suitable loan structures, interest rates, and repayment strategies. Planning for the future: Structure lending with consideration for future property purchases, building equity, and changing circumstances.
Problems my clients avoid
Feeling overwhelmed by bank requirements and mortgage terminology. Spending time approaching banks without understanding which options may suit their circumstances. Choosing a loan structure that doesn't align with their future goals. Overlooking lending options or potential challenges that could affect their property plans. Navigating complex situations, such as separation, self-employment, refinancing, or investment property purchases, without guidance. Experiencing unnecessary stress because they don't understand the process or what is required next.
About
Finsol NZ is a New Zealand-based financial advice firm providing comprehensive solutions across home lending, personal and business insurance, KiwiSaver, investments, and wealth planning. Established in 2010, the business supports clients nationwide through a team of qualified advisers focused on delivering tailored financial strategies. Finsol works with first-home buyers, homeowners, property investors, business owners, and families, helping them achieve their financial goals through personalised advice and ongoing support. The business takes a holistic approach to financial planning, ensuring lending, protection, and wealth creation strategies work together to improve long-term financial outcomes. Through strong lender and insurer relationships, technology-driven processes, and a client-first philosophy, Finsol NZ continues to help New Zealanders build, protect, and grow their wealth with confidence.
Products and services
I provide financial advice services specialising in residential lending, personal risk insurance, financial reviews, and budgeting. My lending services include assistance with first-home purchases, refinancing, property investment lending, construction finance, debt restructuring, and mortgage reviews. I work with a range of lenders to help clients secure lending solutions that align with their objectives and financial circumstances. My risk insurance services include advice on life insurance, trauma cover, income protection, mortgage repayment cover, total and permanent disability cover, and health insurance. I help clients identify potential financial risks and implement appropriate protection strategies to safeguard their income, assets, and family lifestyle. My focus is on delivering personalised advice, guiding clients through the application process, and providing ongoing support to ensure their lending, insurance, and financial arrangements continue to meet their needs as their circumstances evolve.
Why I am a member
I am a member of New Zealand Businesswomen to connect with like-minded professionals, build meaningful business relationships, and contribute to a supportive network of women in business. Membership provides opportunities for professional development, knowledge sharing, and collaboration, enabling me to stay informed about industry trends and best practices. As a financial adviser, being part of this community allows me to expand my network, support other business owners, and continue developing the skills and connections that help me deliver better outcomes for my clients.
Skills
- Budgeting & money coaching
- Construction & renovation loans
- Debt consolidation
- Financial statements
- Health insurance
- Home loans
- Income protection
- Key person & shareholder cover
- Life & trauma cover
- Refinancing & restructuring
Qualifications
Level 5 - Residential Property LendingVerified
NZQF, 2022
Level 5 - Life, Health & DisabilityVerified
NZQF, 2022
An invitation
Thinking about buying a home, refinancing, or growing your property portfolio? Let's have a conversation about your goals, explore your options, and work out a plan to help you move forward with confidence. If you know someone who is considering a property purchase or needs help reviewing their mortgage, I'd love an introduction.