Jordan Jujnovich - NAV Financial Mortgages, Insurance & KiwiSaver

15/04/2026

Feeling pretty humbled to be nominated by the KAN team as a 2026 Regional Outstanding Insurance Adviser.
I’ve always believed good advice is about going the extra mile. Making sure people are properly protected and not overpaying.
Just as important is having an adviser that is there when it really counts. A lot of the feedback I receive is about how supported and straightforward the process feels at claim time (thanks Kritta), and that matters because that’s when insurance is meant to work.
Personal insurance is not always the easiest topic to talk about, but it’s an area of NAV that we take seriously. We see first‑hand the difference the right policy and the right support can make when people need it most.
If it’s been a few years since you reviewed your insurance, it might be worth another look. Life changes, policies age, and better options do come along.

06/08/2025

Celebrate the wins they reckon, so here is Winitanga #3 and the feedback they left, some of you clients make us blush 😊.

Miss is a 22yo Psychiatric Nurse, Mr is a 24yo fencer. Motivated, no BS young adults who have demonstrated fiscal responsibility since leaving home. They've saved where they could, they've put the max 10% into their KiwiSaver for the last 3 years and it's all paid off. They are now homeowners on a 2 acre block in the southwest of Northland. Room for the hunting dogs and room to grow. Watch out world because they are coming!

"Couldn’t be more happy with our choice in mortgage broker! As a young couple who were extremely nervous to take the first steps in buying a home, Jordan made this process super stress free for us, we found it very easy to contact Jordan when we had questions (lots of them). Jordan is very motivated about his mahi which really stood out to us. We definitely did not think we were ready to buy but here we are today in our newly purchased home. couldn’t recommend Jordan AND the team at NAV Financial enough! We look forward to working with Jordan in the future."

Nav Financial Limited | Mortgage Adviser | Insurance Adviser | KiwiSaver Adviser

04/02/2025

KiwiSaver. The best thing you can do, is talk to an independent financial adviser. Been saying it for years, if you invest KiwiSaver with the bank you’re stealing from your future self.

https://form.jotform.com/230454007582047 To complete our quick KiwiSaver risk profiler and start your path to wealth awareness

Https://calendly.com/navfin1 to book a time to chat

"New Zealand's biggest KiwiSaver provider was last in all the core diversified funds during 2024, except one where it was second-to-last. A continuation of astoundingly poor results from ANZ…
"Well over half a million Kiwis' retirement is suffering as a result, many who are too complacent to review and look elsewhere, or who simply believe the big brands can be trusted."

Please click the link to complete this form.

16/01/2025

See the good in everything, don't leave it for later, if someone's doing well be grateful to have observed their successes, be available to help them review their failures, learn, smile when you're winning, cry when you need to- it's natures cleanse, GRIP IT AND RIP IT, breathe and be present, give thanks, laugh at your kids, laugh at your wife, laugh at yourself, ask and Act the universe is watching.

One week back at mahi2025 and these are some thoughts that came out of a planning session on the office thinking couch. YEWWWW 2025 LETS DO THIS

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08/12/2024

Heading into the break this year with gratitude as the central feeling in our business. We are grateful that so many people trust us to guide them on their journey- mortgages, insurance, KiwiSaver. The blessings are for real this year.

The following is part 2 of the Winitanga series.
This month we have helped 7 whanau in the FFN into their first home. Here is a snapshot of these wonderful clients who will spend Xmas this year in their own homes:
~a Nan raising three of her mokomokos
~a young working whanau with 2 children under 5
~a solo Mum who is killing it at her mahi as a manager
~a young working whanau with a two year old
~two Kaiako with 7 kids
~a young tradie who got his KiwiSaver sorted as soon as he started his apprenticeship, who has qualified in his trade and brought his first home in the same month.
~a young couple who brought their home from their landlord.

Next week I will highlight some of the shared financial behaviours and habits that all of these whanau have worked on. For now I say to these clients Well done, your successes are totally deserved.

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19/11/2024

There is chat in the media about the slow turnaround times the banks have in place for broker supported loans. There are two things we can do here, cry a river and hope that the country's largest financial institutions will listen- newsflash they never do.

Orrrrr we can be proactive with all parties in the home buying process, plan, communicate, execute and still get the results. Scarcity and victim mindset is not winning, never has been never will be. Our clients will attest to our ability to stay nimble, to adjust, to problem solve on the fly. We are heading into another year in just on six weeks. If home ownership, construction, property investment are goals you want to tick off in 2025 then lets work. We beat the system by starting early.

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06/11/2024

Starting another series titled "Habits of highly effective first home buyers" there are a lot of first home buyers we work with who come in for a nosey and walk out with a plan that sees them owning a home within 1-3 months. This series will detail some of the habits they all seem to share.

Habit One - Low levels of debt and no missed repayments.

Although this may seem obvious I've noticed there is very little guidance out there. So here's some quick notes

Vehicle debt: car loans are essential for some people eg the whanau grows and we need a safer or larger car as needs have changed. This is ok but as a general rule of thumb keep car loan repayments below $160/week (for a couple) or $110/week (single person), anymore and you are setting yourself up to fail. Less the better. GodMode-no car loan

Credit cards: I would question the need for these with things like afterpay and laybuy but effective clients keep credit card limits at $2k or less and do not miss their minimum repayment. BeastMode- paying your balance off every month so you pay no interest. GodMode- no credit card

Afterpay and Laybuy: Banks still frown upon the use of these products and admittedly I do see some people who get carried away with multiple purchases running at once, just killing their week-to-week budgeting. BeastMode only one active purchase at a time. Godmode- no afterpay, save for what you want like we used to.

Personal loans: the things I've seen lenders loan money out for under a personal loan have sent me crosseyed. Heoi ano these should only be used to consolidate debts to start you on the path to better financial habits. Avoid high interest rates that can be offered by always asking what the interest rate will be, anything more than 13.95 and someone is trying to pull the wool. Try and only use your bank as you will get a better rate than other lenders like woNecnaniF and yenomraH.

Happy to answer any questions in the comments or on the DM.

Till next time whanau.

17/10/2024

Kia Ora Whanau, going to try and be a bit more active on here- don't hold your breath 😅. Won't go too deep on the advice side but will post wins we are having, we'll call it the Winitanga series. Little snippets that, even if they resonate with just one person and push them forward on their financial journey, sharing will have been a success.

WINITANGA 1
Two separate purchases, one set of sisters. Sister one is 21 and sister two is 23. Six months apart from each other they, and their significant others, have brought their first home. Read that again, 21 and 23 years old and they own their own home. I had to pinch myself when this all fell into place. It is possible. Back yourself.

20/05/2022

No I don’t have a crystal ball, just an understanding of the rules and how to work with them to get results.

30/09/2021

Not an avid post(er) on FB but changes are coming which I must make everyone aware of.

CCCFA is a new regime of regulations relating to residential lending- specifically mortgages.

If you are looking to borrow money from your bank be prepared to provide much more information than you ever have before. Prepare to have your spending habits as far as back as 12 months scrutinised.

Prepare to have your lending declined. The banks have no obligation to lend and while we are entering this new era of regulation they will tread cautiously.

Be prepared to have your financial adviser/mortgage broker tell you you have to move banks- even for simple top ups to renovate for example. Be prepared to work with non-bank lenders, many clients I have do not fit the bank model and have found success with these lenders.

Independent financial advisers are now a necessity, if you are looking at borrowing you have to ask- can you afford to stick with a one trick pony ie your bank and hope you fit their policy? Or is someone who can access all lenders going to net you the result you chase?