Sharn Sinclair - Financial Adviser

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Sharn Sinclair - Financial Adviser

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Hi, I'm Sharn Sinclair. I believe every financial decision is connected. Let's connect the dots.

I help Kiwis connect the dots between buying a home, protecting their family and planning for the future with practical, end-to-end financial advice. I'm Sharn Sinclair, a Financial Adviser with 30 years of experience in the financial services industry, spanning retail, private, business, and commercial banking. Now, as an adviser with SHARE NZ, I take a holistic approach to finance, helping clients with their mortgage, personal insurance, and KiwiSaver needs. Whether you're buying your first home, refinancing, protecting your family with the right insurance, or making sure your KiwiSaver is working for your future, I'm here to guide you every step of the way. My focus is on building lasting relationships based on trust, education, and financial well-being—so you can make confident decisions with the right advice behind you.

29/09/2026

I used to think that if a bank approved someone for a certain amount, that was what they could afford to spend on a house.

But I’ve seen plenty of first-home buyers get a pre-approval and then look at the repayments and think, “Hang on. That doesn’t leave us much room to actually live.”

The bank’s number is useful. It tells you what you may be able to borrow. It doesn’t tell you whether you’ll still feel comfortable paying the mortgage when the rates bill arrives, the car needs fixing, or you want to go away for the weekend.

That’s why I like to talk through the repayments before we get too attached to a purchase price. Sometimes the number that feels right is lower than the number on the pre-approval letter.

Buying your first home is exciting. You should still be able to enjoy life once you’re in it.

24/09/2026

16/07/2026

27/06/2026

This is a relaxed, no-pressure conversation about where you’re at and where you want to be. We’ll talk through your goals, your deposit, income, existing lending (if any), and what’s realistically possible in today’s lending environment.I’ll explain how the banks assess applications, what ...

12/06/2026

A beauty of a winters day!!

11/06/2026

Hi, I’d love to chat with you! Feel free to use the links below to set up a time that works for you. Guiding first home buyers from confusion to confidence with mortgage advice, KiwiSaver, and Insurance Solutions that fit you. Sharn

Address

Dunedin
9016

Telephone

+64273687252

Website

http://calendly.com/sharnsinclair

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