Kimberly Gray - Total Life - Mortgage Adviser

09/02/2026

Come and see us at field days!

Win Your Southland Favourites, All In One Epic Hamper!

Come see the Total Life Team at Southern Field Days - Waimumu, 11-13 February 2026 at Site 233A!

We’re celebrating all things local and giving you the chance to win a Southland based hamper packed with iconic treats and flavours.

This incredible bundle includes:

- A Total Life Chilly Bag
- $100 Fat Bastard Pies voucher
- $100 Southern Seafood Products voucher
- A bottle of The Bluff Distillery gin
- Amplify Coffee Co. beans
- Miele Apiaries Southland Honey from FlourBro Sourdough Bakery
- Weeandfree Calendar featuring Southland artists
- The Seriously Good Chocolate Co. Southland inspired chocolates
- The Batch Cafe iconic relish, vinaigrette & cookies.

Visit us to go in the draw, see you at Site 233A!

05/02/2026

Looking forward to this huge event in Southland.

Southern Field Days: The ideal place to start your financial momentum.

Ready to make 2026 your year of financial clarity? Visit the Total Life Team at Southern Field Days from 11 – 13 February 2026. Grab a coffee on us, enter our competition, have a chat with our experienced advisers about kickstarting your New Year’s resolutions with confidence. Whether it’s Insurance, KiwiSaver, Investments or Mortgages we are here to guide you towards smarter financial decisions.

See you at Site 233A!

05/02/2026

Such a fun night!

04/02/2026

Do You Need a Nominated Adult?

Buying your first home and not sure where to start? With all the jargon — deposits, KiwiSaver, LIM reports, it can feel like you need a translator. Don’t worry, I’ve got you covered!

Whether you're a month or a year away from buying your first home, I can meet with you to set goals, make a plan, and guide you through every step of the process, including:

• How much of a deposit do I need?
• How much can I afford to borrow?
• Can I get a pre-approval?
• I want to make an offer…
• All the way through to the end when you are deciding how to structure your loan.

One of my lovely first home buyers once gifted me this great coffee cup I am pictured with and jokingly called me her “nominated adult” and honestly, that’s exactly the role I love playing.

13/01/2026

Really looking forward to being part of this annual event! Get in touch if you have any queries. The start of the new year is a great time to refocus on your goals.

🏠Women in Finance: Purchasing a Property

Buying your first home or ever wondered about purchasing an investment property?
It can feel like you need a translator for all the jargon — deposits, KiwiSaver, LIM reports, mortgages… we’ve got you covered!

At our first Women in Finance session for 2026, we will break it all down in plain English:
How much deposit you really need (and how to get there faster)
KiwiSaver tips to boost your first home savings
How to use equity in your own home to support an investment property purchase.
What costs to expect beyond the purchase price
Navigating mortgages and getting the best deal for YOU
The key professionals you need on your side (and when to call them)

We will have a panel of experts so answer all your burning questions:
Mortgage Broker
Real Estate Agent
Lawyer
Accountant

Whether you’re just starting to save, already house-hunting, or supporting your kids through the process — this session is for you.
Date: 29th of January
Time: Drinks and Nibbles from 7pm, Presentation starts at 7.30pm
Location: Koha Kai - 25 Gala Street
Bring your questions - we’ll bring the practical tips (and the wine & snacks!) 🥂

24/12/2025

Absolute pleasure working with Hayley and Paul to help them achieve a goal of their first family home.🥰❤

18/12/2025

A new location, the same trusted advice, is on the move.

We’re delighted to share that our wonderful Financial Adviser, Nicola Jenkins, will be relocating from our Invercargill office to Whangarei from January 2026.

Nicola will continue supporting her Southland clients while also strengthening our presence in the North Island. Nicola will be adding KiwiSaver to her advice portfolio alongside her Insurance Advice, Nicola remains just a conversation away, in person or online.

Secure your face to face or Zoom appointment with Nicola today, ✉️ Email: [email protected]

15/12/2025

Ready to take control of your money story after Christmas?
Come along to our FREE & interactive workshop, covering a variety of money related topics.

26/11/2025

What a pleasure it was to work with these young clients to achieve their home ownership goals!

Here's what first home success sounds like...

We love turning first home dreams into reality. Here’s what our clients had to say about their recent experience with Kimberly Gray - Total Life - Mortgage Adviser

Ready to start your journey? Book your free consultation today and discover how simple owning your first home can be.

24/11/2025

It's a competitive time for the banks at the moment. The below outlines the current incentive from many banks. Let us know if you would like to discuss how it may be possible for you.

Take advantage of cashback incentives while market conditions are in your favour.

As the festive season approaches, many lenders are offering 1.5% cashback on new lending including refinancing from one bank to another. With interest rates currently more competitive, this could be a timely opportunity to improve your financial position ahead of the holidays.

If you’d like to explore how this might apply to your situation, get in touch with our Mortgage Advisers, Callum Eathorne 021 278 8280 and Kimberly Gray 027 689 7676 or email [email protected]. Our Mortgage Advisers will guide you through your options and help you take full advantage of what's on offer.