Independent guidance on home loans, refinancing, and property investment. No push. No jargon. Just advice that makes sense for you.
Evenings, weekends, video calls — we meet when it works for you, not just nine-to-five.
Every plan is shaped around your income, goals, and timeline — never one-size-fits-all.
English, Mandarin, Korean, or Thai — clear advice, no misunderstandings.
The lender pays us once your loan settles — never you.
Rates and policies shift constantly. We stay on top of it, always on your side.
We compare across the market, not just one bank's shelf.
From application to settlement, we chase the details so you don't have to.
We check in and review your loan as life changes.
Share a bit about your situation. We'll listen first.
We compare lenders to find what fits — not just rates, but the right structure for your life.
We explain the choices clearly. No pressure. You choose what works.
From application to settlement, we keep things moving. You focus on what matters.
Your first home shouldn't feel impossible. We help you understand what you can afford and what to expect.
Learn moreYour current loan might not be your best option. We review and explore better alternatives.
Learn moreBuild your portfolio with confidence, with lending structured for long-term goals.
Learn moreFrom small business loans to commercial property, with lenders who understand business.
Learn moreBuilding or developing a property? We guide you through every stage of the build.
Learn moreWe moved to Auckland only two years ago, and the whole mortgage process felt impossible to understand at first. Our adviser explained every step in plain, simple terms — no confusing jargon. We settled on our first home in nine weeks.
I was comparing three banks and getting different information from each one. PJ Capital sat down with me, in Mandarin, and laid out exactly what each lender actually offered. No pressure, no sales pitch — just clarity.
My old rate was quietly costing me thousands. They ran the numbers honestly, including the break fee, and only recommended switching once it actually made sense for me.
Getting commercial finance approved for our food wholesale company's expansion felt daunting. Our adviser handled the paperwork, chased the bank, and kept us updated every step. We wouldn't have gotten there without them.
Building our first home here came with a lot of paperwork we didn't expect. Having someone explain each stage of the drawdown, and check in along the way, made all the difference.
Applications from PJ Capital always come through complete and well-prepared. It makes the process faster for everyone — including their clients.
(No, you don't pay us.)
Most mortgage advisers are paid commission by the lender when your loan settles. That's how we get paid too — not by you.
Some advisers also charge a fee. We don't.
Learn more: Fees & how we're paidEvery disclosure is made before you sign — never after.
PJ Capital Investments Limited is a Financial Advice Provider (1008825). We are regulated by the Financial Markets Authority.
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A quick guide to loan-to-value ratio and how it shapes your options.
The essentials on government support for first home buyers.
Rate movements, lender news, and client stories, in Chinese and English.
Whether you're buying your first home, refinancing, or planning your next investment — we're here to help.
Book your free consultation