Merloü Legano - Financial Adviser

Merloü Legano - Financial Adviser 📍 Home Loans | Personal & Car Loans | Insurance | KiwiSaver
📩 DM me for a FREE consultation – let's reach your goals together!

“I EARN WELL… SO WHY CAN’T I BORROW AS MUCH AS I EXPECTED?”Your salary is only one part of a home loan assessment.Lender...
30/08/2026

“I EARN WELL… SO WHY CAN’T I BORROW AS MUCH AS I EXPECTED?”

Your salary is only one part of a home loan assessment.

Lenders may also consider things such as:

💳 Existing debts and credit limits
🛍️ Regular living expenses
🚗 Personal/car loan commitments
📱 Buy Now Pay Later commitments
👨‍👩‍👧 Dependants and household costs

Sometimes improving your position before applying can make a difference.

Maganda ang income mo pero hindi mo alam kung magkano ang possible borrowing capacity mo? Let’s look at the whole picture.

🎁 FREE HOME LOAN ASSESSMENT

Merlou Legano | Financial Adviser
📱 027 247 1700
📧 [email protected]
🌐 www.mfinity.co.nz

As your mortgage reduces and/or your property value changes, you may build equity in your home.Depending on your financi...
29/08/2026

As your mortgage reduces and/or your property value changes, you may build equity in your home.

Depending on your financial position, that equity may form part of a strategy for another property.

Before taking the next step, consider:
✔ Available equity
✔ Borrowing capacity
✔ Deposit requirements
✔ Rental income assumptions
✔ Your overall cash flow and risk

🎁 FREE PROPERTY FINANCE ASSESSMENT

Merlou Legano | Financial Adviser
📱 027 247 1700
📧 [email protected]
🌐 www.mfinity.co.nz

A huge congratulations to my Josol family on purchasing your first home! 🏡🔑Your journey is a beautiful testimony that ev...
28/08/2026

A huge congratulations to my Josol family on purchasing your first home! 🏡🔑

Your journey is a beautiful testimony that everything truly works together for good. God’s timing, faithfulness, and love are always perfect.

I’m grateful to have witnessed His amazing work in your lives. May your new home be filled with love, joy, and countless blessings. All glory belongs to Him! 🤍🙏

24/08/2026

🏡 Another successful settlement!

Congratulations to the Jamoyot family on your beautiful new home! 🎉🔑

Thank you for trusting MFINITY to guide you through your home-buying journey. Wishing your family many years of happiness, wonderful memories, and countless blessings in your new home.

❤️ BUILDING WEALTH IS IMPORTANT. PROTECTING IT MATTERS TOO.A financial plan isn’t only about accumulating more.Think abo...
22/08/2026

❤️ BUILDING WEALTH IS IMPORTANT. PROTECTING IT MATTERS TOO.

A financial plan isn’t only about accumulating more.

Think about the whole picture:

🏡 HOME — where your family builds memories
💰 INCOME — what supports everyday life
🛡️ INSURANCE — protection when life changes unexpectedly
🌱 KIWISAVER — planning for longer-term goals
🎯 FINANCIAL GOALS — knowing where you’re heading

Build wisely. Protect what matters. Grow with purpose.

🎁 FREE ASSESSMENT

Merlou Legano | Financial Adviser
📱 027 247 1700
📧 [email protected]
🌐 www.mfinity.co.nz

Your refix is a good opportunity to review whether your home loan still fits your life today.Before choosing your next f...
22/08/2026

Your refix is a good opportunity to review whether your home loan still fits your life today.

Before choosing your next fixed term, consider:

* 🏦 Loan structure — Is everything still structured the right way?
* 💰 Repayments — Could you comfortably increase repayments and reduce your loan faster?
* 📅 Fixed-term choice — Think beyond the advertised rate and consider your plans.
* 💵 Extra payments — Planning a lump sum? Make sure your structure allows for it.
* 🔄 Your circumstances — Income, expenses and future goals may have changed since your last review.

MFINITY TIP: “Hindi porke pinakamababa ang rate, iyon na agad ang best option. Your mortgage should fit your plans—not just today’s rate.”

🎁 FREE HOME LOAN REVIEW
If your fixed rate is coming up for renewal, let’s review your options before you refix.

Merlou Legano | Financial Adviser
📞 027 247 1700
✉️ [email protected]
🌐 www.mfinity.co.nz

PAYDAY → TWO DAYS LATER → “WHERE DID MY MONEY GO?” 😅Sometimes it isn’t one big expense—it’s lots of little ones.Try chec...
21/08/2026

PAYDAY → TWO DAYS LATER → “WHERE DID MY MONEY GO?” 😅

Sometimes it isn’t one big expense—it’s lots of little ones.

Try checking:
✔ Subscriptions you no longer use
✔ Frequent takeaway/food delivery
✔ Buy Now Pay Later purchases
✔ Small automatic payments
✔ Unplanned everyday spending

Small changes can create room for savings, debt reduction and future goals.

MFINITY MONEY TIP: Give every dollar a purpose before you spend it.

Merlou
0272471700
[email protected]

🏡 FOUND A HOME YOU LOVE? BEFORE YOU MAKE AN OFFER, CHECK THESE FIRST.Exciting ang makahanap ng bahay na gusto mo — but d...
21/08/2026

🏡 FOUND A HOME YOU LOVE? BEFORE YOU MAKE AN OFFER, CHECK THESE FIRST.

Exciting ang makahanap ng bahay na gusto mo — but don’t let excitement rush an important financial decision. 💚

Before signing a Sale & Purchase Agreement:

✅ Know your borrowing limit — Make sure the price is within your assessed range.

✅ Understand the conditions — Finance, LIM, building inspection and other conditions can help protect you.

✅ Check your deposit — Know exactly where your deposit is coming from, including savings and KiwiSaver if applicable.

✅ Allow enough time for finance — Your lender may need documents, a valuation or other information before giving final approval.

✅ Talk to your adviser before going unconditional — Pre-approval is not the same as unconditional approval for a specific property.

💡 MFINITY TIP:
“Nakahanap ka na ng dream home? Exciting! Pero bago pumirma, make sure the numbers and finance conditions work for you.”

🎁 FREE FIRST-HOME ASSESSMENT!

REFINANCING | “Your Mortgage Hasn’t Changed—but You Have”🔄 SAME MORTGAGE. DIFFERENT LIFE?Maybe your mortgage suited you ...
20/08/2026

REFINANCING | “Your Mortgage Hasn’t Changed—but You Have”

🔄 SAME MORTGAGE. DIFFERENT LIFE?

Maybe your mortgage suited you when you first took it out—but your circumstances may be very different today.

A review could explore:
✔ Your current repayments
✔ Fixed vs floating structure
✔ Offset/revolving credit options
✔ Refinancing possibilities
✔ Your plans for paying down the mortgage

Your mortgage should support where you’re going—not just where you’ve been.

🎁 FREE HOME LOAN REVIEW

KIWISAVER | “Don’t Just Set & Forget”🌱 WHEN DID YOU LAST CHECK YOUR KIWISAVER?KiwiSaver is designed for long-term saving...
19/08/2026

KIWISAVER | “Don’t Just Set & Forget”

🌱 WHEN DID YOU LAST CHECK YOUR KIWISAVER?

KiwiSaver is designed for long-term saving, so it can be worth reviewing whether your settings still match your circumstances and goals.

Consider reviewing:
✔ Your contribution rate
✔ Your current fund
✔ Your risk profile
✔ Your long-term goals
✔ Your first-home plans, if applicable

Your KiwiSaver deserves more than a quick glance at the balance.

🎁 FREE KIWISAVER REVIEW

📱 027 247 1700
📧 [email protected]

Address

Flatbush
Manukau
2019

Telephone

+64272471700

Website

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