Lena Bykova - Mortgage Adviser, Valar

Lena Bykova - Mortgage Adviser, Valar Mortgage Adviser & Investor (20+ years in finance) helping you build long-term wealth via property.

How I work❓When people first reach me out, they usually have one specific question in mind.A property they want to buy. ...
15/06/2026

How I work❓

When people first reach me out, they usually have one specific question in mind.

A property they want to buy. A rate decision coming up. Something they saw on the news and want to understand.

That’s always a good starting point. But it’s rarely where the real work begins.

Swipe to see what we actually do together. ➡️

       

Most people know how much they want to earn. Far fewer know how much wealth they actually need.        
11/06/2026

Most people know how much they want to earn.

Far fewer know how much wealth they actually need.

       

What are investments really for?Many people focus on returns and on finding the «best» investment. I prefer to start wit...
11/06/2026

What are investments really for?

Many people focus on returns and on finding the «best» investment. I prefer to start with a different point.

✅ How do I preserve the value I create today and carry it into the future?

To me, investing is the transfer of value from today into the future. Growing wealth matters, but preserving it matters too.

Property, KiwiSaver, shares, bonds, businesses and cash can all play a role. The right mix depends on the person, their goals and the life they’re trying to build.

My own views have changed over time. Today I prefer diversification because different assets play different roles and behave differently in different market conditions.

✦ What do investments mean to you?

✦ Which investments do you feel most comfortable with?

✦ What would you like to learn more about?

       

Before applying for a mortgage, spend some time thinking about the decision, not just the property.Most people spend wee...
11/06/2026

Before applying for a mortgage, spend some time thinking about the decision, not just the property.

Most people spend weeks comparing houses, attending open homes, checking floor plans, and researching suburbs.

Far fewer spend the same amount of time thinking about how the decision will affect their finances, lifestyle, and future plans.

When I work with clients, these are three areas I encourage them to think about before making an offer.

Swipe for more ➡️

       

These are some of the questions that often come up when we start building a strategy together.Everyone’s situation is di...
10/06/2026

These are some of the questions that often come up when we start building a strategy together.

Everyone’s situation is different, which means the questions are too.

What’s the financial question you’re currently trying to answer?

       

One of the most useful lessons I learned while building my own portfolio had nothing to do with interest rates.When I st...
10/06/2026

One of the most useful lessons I learned while building my own portfolio had nothing to do with interest rates.

When I started investing in property and building my own portfolio, I gradually realised that the most important question wasn’t whether the bank would approve the loan, how much they would lend, or what interest rate I could get.

Those things matter.

But they’re tools.

🎯 What mattered more was whether that decision would bring me closer to my goals.

Questions I found myself asking:

• Will this help me build an asset?

• Will the cashflow remain sustainable if interest rates increase?

• How will this decision affect my financial position in 5 or 10 years?

• Does this move me closer to the life I’m trying to create?

Over time, my focus shifted away from simply getting approval from a bank and towards building a clear financial strategy.

🏡 For me, a mortgage has never been the destination.

It’s one of the tools that can help build wealth, create opportunities, and support the life you want to live.

That’s the idea behind Valar.

✨ It’s not just about getting a loan approved.

It’s about building a strategy first, and then using the right financial tools to help make that strategy a reality.

     

I’m a financial adviser with a background in corporate finance, business valuation, and investment analysis. Ten years a...
10/06/2026

I’m a financial adviser with a background in corporate finance, business valuation, and investment analysis.

Ten years ago, New Zealand became my home. Like many immigrants, I had to build everything again from the ground up. Looking back, that experience shaped the way I think about money, investing, and long-term planning.

I’ve always been interested in strategy — understanding where people are today, where they want to be, and how to build a realistic path between those two points.

I’m a strong believer that investments, especially real estate, can become a powerful foundation for building the life you want. Not just financially, but in terms of freedom, opportunities, and choice.

Property has played an important role in my own journey. Today I own investment properties and live on a lifestyle block near Auckland — a decision that once felt ambitious and complicated, but became one of the foundations of the life I wanted to create.

This page is where I share thoughts about property, investing, financial planning, and the decisions that shape our future over time.

And occasionally a few views from the farm, of course. 🏡
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Address

28 Constellation Drive
Auckland
0632

Website

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