Where are you today?
Where do you want to be?

We map your lending, investments, and retirement into one clear picture — so you can see exactly where you stand and what to do next.

★★★★★ 5.0 on Google · FAP Licensed · FMA Registered · Free advice — we're paid by lenders
Our Advice

Three areas of advice.
One clear map.

Specialist advice across every area of your financial life — connected into a single strategy that actually makes sense.

Lending
MapMy Lending

Home loans, commercial lending, and refinancing — structured to work with your insurance, investments, and retirement plan.

Investments
MapMy Investments

Managed funds and wealth-building strategies designed around your full financial picture, not just market returns.

Retirement
MapMy Retirement

KiwiSaver optimisation, retirement income planning, and a clear roadmap to stop working on your terms.

MapMy Lending
Every type of lending, one adviser

Whether you're buying your first home or funding a commercial development, we handle the full lending picture — and make sure it's connected to your insurance, investments, and retirement plan.

First home loansGet on the ladder with the right structure from day one
RefinancingMove to a better rate or lender — we handle the switch
RestructuringReorganise your loan to free up cash or pay off faster
RefixingWhen your fixed rate expires, we find you the best option
Upgrades & next homeMoving up? We restructure the whole picture, not just the mortgage
Investment propertyFinance for your next rental — structured alongside your portfolio
Business lendingWorking capital, equipment finance, and cash flow solutions
Commercial lendingCommercial property and development funding

The difference? Your mortgage doesn't sit in isolation. We connect it to your insurance (so you're covered if something happens), your KiwiSaver (so your deposit works harder), and your investment plan (so your equity builds wealth).

MapMy Investments
Grow your wealth with a plan, not a guess

We help you build wealth outside of property and KiwiSaver — through managed funds that are chosen to fit your goals, your timeline, and your full financial picture.

Managed fundsProfessionally managed portfolios matched to your risk profile
Regular contributionsStart small and build — even $50/month compounds over time
Lump sum investingInherited money, a bonus, or a sale — we help you put it to work
Portfolio reviewsAlready investing? We check it's still right for where you're headed

Your investments work alongside your lending (so you're not over-leveraged), your insurance (so a setback doesn't force a sell-off), and your retirement plan (so you're building from multiple angles).

MapMy Retirement
See the finish line — and know you'll get there

Whether retirement is 5 years away or 35, we help you see the number you need, check if you're on track, and optimise your KiwiSaver and savings to close the gap.

KiwiSaver optimisationRight fund, right contribution rate, right provider for your age and goals
Retirement projectionsSee what you'll have at 65 — and what you'll need
Income planningTurn your savings into an income stream that lasts
Transition planningGoing part-time first? We map the bridge between work and retirement

Your retirement plan is connected to your mortgage (pay it off before you stop working), your investments (building wealth alongside KiwiSaver), and your insurance (making sure a health event doesn't derail the plan).

Jonathan Smith with his family
Jonathan Smith
Mortgage & Investment Adviser
Your Mortgage Specialist

I'm Jonathan Smith —
independent adviser,
on your side.

Qualified in Residential Lending and Investment Advice, I believe every Kiwi family deserves access to real financial advice. Too many people settle for the first loan they're offered, missing out on better rates and structures that could save them thousands.

As an independent mortgage adviser, I compare loans across multiple lenders, negotiate on your behalf, and structure your mortgage to support your long-term goals.

"A mortgage is more than a loan — it's a tool for building wealth."

My Promise to You

  • Transparent, jargon-free advice you can understand
  • Support that continues long after settlement
  • Whether you're buying, investing, or refinancing — I'm here
Read my story
Google Reviews

What our clients
actually say

5.0 on Google
"Jonathan is great. We recently refinanced several mortgages, and changed banks for some of them in the process. Jonathan took care of everything and made the process so easy and worked hard to get us far better deals than we would have got ourselves. I highly recommend Jonathan."
A
Andrew
2 months ago via Google
"Jonathan was recommended to me by a friend who was already singing his praises and from the get go he has been amazing, super friendly and easy to talk to, he knows his stuff and will help you understand the complicated side of things. Jonathan helped me secure a loan for my first home and was so hands on and helpful during the entire confusing process."
W
William Beer
3 months ago via Google
"I recently worked with Jon on both refinancing my current home and securing financing for an investment property, and I couldn't be happier with the experience. From start to finish, Jon was professional, knowledgeable, offering great advice and promptly answering every question I asked. Highly recommend."
A
Agustina Comignaghi
3 months ago via Google
What You Get

Your MapMy Financial
Situation — free

A clear, honest picture of where you are today across all four areas — and a personalised roadmap for where you could be.

01

Map Your Journey

We take a clear-eyed look at where you stand today — your mortgage, KiwiSaver, investments, and cash flow — so you know exactly what's working and what needs attention.

02

Tailored Advice to Your Needs

No templates, no one-size-fits-all. Every recommendation is built around your income, your goals, your timeline — and adjusted as your life changes.

03

Real Outcomes

Whether it's buying your first home, securing an investment property, or improving your investment returns — we focus on outcomes that make a real difference to your financial future.

Free · No obligation · 2 minute setup
How to Start

Understand what advice
you would benefit from.

Every client starts with a Free Consultation and receives a clear, structured summary of where you stand today and what advice would make the biggest difference.

Example Scenarios
01
Example Scenario — First Home Buyers
Couple, 29 — renting at $480/wk, $65k saved
portal.mapmy.co.nz/themap
SM
Phase 1 · TheMap
Tell us about you
First nameClient
Last nameExample
PartnerPartner (joint)
AddressWaikato, New Zealand
Income (1)$95,000
Income (2)$72,000
Step 2 of 9 · You
01
Drop the pin.
"We're here — renting."
Renting, $65k saved between them, KiwiSaver on default settings. They've got the deposit energy — but no plan beyond "get a mortgage."
portal.mapmy.co.nz/themap/review
Client Dashboard
Financial Position
Income$198,800/yr
Total Assets$1,616,500
Liabilities$972,200
Net Wealth$644,300
Key Details
Home Loan$540K @ 6.29%
Invest Loan$410K @ 6.79%
KiwiSaver$109,500
Savings$350/wk
Goals & Destinations
NOWRefinance mortgage
1-5YRBuild portfolio to $50K
10+Work-optional by 55
02
Set the destination.
"Our own front door."
A home of their own in the Waikato. Not just a mortgage — a property that's the foundation for everything they'll build over the next 30 years.
portal.mapmy.co.nz/theplanner
4 advice areas · 12 recs
Net Wealth
$644K
Income
$199K
Debt
$972K
Savings
$350/w
Recommendations
1
Refinance Home Loan
↗ Save $4,800/yr
2
Consolidate Consumer Debt
↗ Debt-free in 8mo
3
Health Cover — Both
↗ Medical protection
4
KiwiSaver Growth Fund
↗ +$80K by 65
03
Plan the stops
along the way
The mortgage is just stop one. We restructure their KiwiSaver for growth and add income protection — because if one of them can't work, the house is at risk.
Home loanIncome protectionKiwiSaver reset
portal.mapmy.co.nz/navigator
SM
Welcome back
Net Wealth
$644K
↑ 4.2%
Debt
$945K
↓ $27K
Actions
7/12
58%
Goals
3/9
6 in prog
Net Wealth Trend
Recent Activity
🏠Home loan refinanced — 5.89%18 Feb
✅CC consolidated & Afterpay closed12 Feb
🥝KiwiSaver switched to Growth28 Jan
04
Navigate.
"Let's get the keys."
Mortgage, insurance, and KiwiSaver withdrawal coordinated in parallel. One adviser, one timeline, no gaps. They move in 8 weeks later.
From renting to owning — clearly mapped.
This couple didn't just get a mortgage. They got a home loan that works with their insurance and KiwiSaver — all connected from day one.
02
Example Scenario — Business Owner
Trades business owner, 44 — $1.2M turnover, everything in the business
ALL EGGS · ONE BASKET
01
Drop the pin.
"Everything's in the business."
$1.2M turnover, good profit — but no personal investments, basic KiwiSaver, no life cover, and a commercial property loan she hasn't reviewed in three years.
55STEP BACK AT 55
02
Set the destination.
"Step back at 55."
She wants the option to step back from day-to-day operations in 11 years with enough personal wealth to live on her terms.
ALL FOUR STOPS
03
Plan every stop
on the route
This journey hits all four areas. Refinance the commercial loan, start a managed fund, put proper key-person and life cover in place, and max KiwiSaver contributions.
Commercial refinanceManaged fundKey-person coverKiwiSaver max
LendingInvestmentsInsuranceDASHBOARD
04
Navigate.
"Show me the dashboard."
There's now a single view of the entire financial picture. We review quarterly. As the business grows, personal wealth grows with it — automatically, not accidentally.
From all-in on the business to personally wealthy.
This client didn't need four separate advisers. They needed one map connecting business lending, personal investments, insurance, and retirement.
03
Example Scenario — Near Retirement
Council engineer, 58 — $180k mortgage, 7 years to go
58years old$180K MORTGAGE LEFT
01
Drop the pin.
"Am I going to be okay?"
$180k left on the mortgage. $320k in KiwiSaver on a conservative fund. Basic life cover from work. Earns well — but has no idea if retirement at 65 is actually achievable.
65MORTGAGE-FREE · 65
02
Set the destination.
"Mortgage-free at 65."
Clear the mortgage, have enough passive income to cover $60k/year in expenses, and stop working full-time. Simple destination.
3 KEY STOPS
03
Plan the stops
for the final stretch
Restructure the mortgage to be paid off by 65. Switch KiwiSaver from conservative to balanced for remaining growth years. Replace work life cover with personal cover before he leaves.
Mortgage restructureKiwiSaver switchPersonal life cover
7years to goOn trackCOUNTDOWN
04
Navigate.
"I can see the finish line."
For the first time, there's a clear number and a clear date. The MapMy dashboard shows exactly where things stand every quarter — mortgage shrinking, KiwiSaver growing, cover locked in.
From "am I okay?" to "I can see the finish line."
This client didn't need a fancy strategy. They needed someone to map the last seven years and show that it all works together.
04
Example Scenario — Young Professional
Junior doctor, 26 — $78k student loan, huge earning potential
$78K STUDENT LOAN
01
Drop the pin.
"I'm earning, but I owe."
$78k student loan, earning $85k as a registrar with big pay jumps ahead. Default KiwiSaver, no insurance, renting. The potential is there — just no plan to capture it.
STRONG BY 35
02
Set the destination.
"Financially strong by 35."
Student loan cleared, a solid investment portfolio started, proper insurance locked in while young, and a KiwiSaver that's actually working for this stage of life.
BUILDING BLOCKS
03
Plan the stops
while it's cheap
Lock in life and income cover now while young and healthy — it's half the price. Start a small managed fund. Switch KiwiSaver to aggressive growth — there are 40 years of compounding ahead.
Life & IP coverStarter fundKiwiSaver growth
Compounding from 26GROWING
04
Navigate.
"Every pay rise has a plan."
As salary jumps — registrar to consultant — each increase triggers a review. Increase contributions, top up cover, adjust the mix. The MapMy grows with the career.
Start early, start connected — compound everything.
This client didn't need complex products. They needed a simple map that grows with their career — insurance locked in young, investments compounding early.
05
Example Scenario — Growing Family
Couple, 37 — second baby on the way, $520k mortgage, income about to drop
FAMILY OF 3 → 4
01
Drop the pin.
"Baby two is coming."
$520k mortgage, combined income of $165k about to drop to $95k for 12 months. No life cover for one parent. The budget's about to get real tight.
FAMILY PROTECTED
02
Set the destination.
"If something happens, we're okay."
Not about getting rich — it's about stability. Mortgage manageable on one income, both parents covered, kids' future not at risk.
PROTECTION FIRST
03
Plan the stops —
protection first
Switch to interest-only for 12 months. Get life and trauma cover for both parents. Pause KiwiSaver extras temporarily, restart when the second income returns.
Interest-only periodLife & trauma coverKiwiSaver pause
Now3 mo12 mo2 yrRestructureCover liveBack to workFull planPHASED PLAN
04
Navigate.
"We've got a phased plan."
Month 1: mortgage restructured. Month 3: cover in place. Month 12: back to work, contributions restart. Month 24: full review, add investments. Every phase mapped and timed.
Growing family, growing plan — every phase mapped.
This couple didn't need all four areas at once. They needed them in the right order, at the right time — with someone navigating the whole thing.
Start Here

MapMy Financial
Situation

Tell us a little about where you are today. It takes about 2 minutes — no documents, no commitment. We'll map your position across all four areas and show you the route forward.

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