Optimise Finance

25/08/2026

Are you self-employed or a business owner and finding that getting a mortgage feels more complicated than it should?

When you run a business, lenders can assess your income very differently. They may look at your financial statements, shareholder salary, drawings, retained earnings, business debt and how your income has changed over time.

At Optimise Finance, we regularly help self-employed clients and business owners navigate this process, including more complex situations where a standard lending approach may not fit.

We’ve put together a short guide explaining what lenders typically look for and how you can prepare before applying:

https://www.optimisefinance.co.nz/insights/mortgages-for-self-employed-kiwis-and-business-owners

We are located on the Hibiscus Coast and service clients New Zealand-wide. If you are thinking about buying, refinancing, renovating or investing, feel free to get in touch.

Ph: 021 581 502 or [email protected]

27/04/2026

IRD debt can put serious pressure on a business, even when the business itself is performing well.

It is something we see regularly with New Zealand business owners. Often, the business is busy, sales are strong, and the opportunity is still there — but the debt position has become difficult to manage, and the owners are unsure how to approach IRD, their bank, or alternative lenders.

In some cases, a refinance, restructure, or alternative finance solution may help create breathing room, reduce pressure, and allow the business to keep moving forward with confidence.

We have put together an article on how Optimise Finance can help businesses review their position and explore practical funding options.

Read more here and get in contact with us on 021 581 502 to discuss your options:

Facing IRD debt or business cash flow pressure? Optimise Finance helps New Zealand businesses explore refinancing, restructuring and alternative finance options before issues escalate.

05/03/2026

Please join us in welcoming Cameron Rust to the team.

Cameron joins Optimise Finance as a Credit Manager and brings more than 20 years of experience in the finance industry. Over the past decade, he has conducted field inventory audits nationwide for Wells Fargo, giving him extensive insight into credit, asset verification, and lending support.

Cameron lives locally on the Hibiscus Coast and, outside of work, enjoys golf and mountain biking.

We’re excited to have Cameron on board and look forward to the significant value and experience he will bring to Optimise Finance, helping us continue to strengthen the support and service we provide to our customers.

30/09/2025

Self-Employed? Getting a Mortgage Doesn’t Have to Be Hard 🏡💼

Owning your own business or working for yourself brings plenty of rewards – flexibility, independence, and the pride of building something of your own. But when it comes to getting a mortgage, the process can feel tougher than it should. Traditional lenders often look for tidy payslips and regular PAYE income, which doesn’t always reflect the reality of business ownership.

At Optimise Finance, we specialise in helping self-employed Kiwis and business owners secure the lending they need for their homes, investments, and families. With more than 15 years’ experience in business and home lending, we know how to present your financial position clearly to the banks – and advocate strongly on your behalf.

👉 If you’re self-employed or running your own business and want to explore your mortgage options, let’s chat.
📞 Call Matt on 021 581 502
📧 [email protected]

We offer straightforward advice, with no obligation.

At Optimise Finance, we specialise in helping self-employed Kiwis and business owners secure the lending they need for their homes, investments, and families. With more than 15 years’ experience in business and home lending, we understand how to present your financial position clearly to the banks...

25/07/2025

It was a great morning at our breakfast event with Silverdale Business — featuring guest speaker Cameron Bagrie.

Plenty of insights, connections, and good coffee to kickstart the day. Thanks to everyone who came along!

11/07/2025

🚨 Business Owners – Don’t Miss This! 🚨

We're proud to support the Silverdale Business upcoming Business Breakfast at Joe’s Garage on Friday 25 July! 🥐☕️

Join us for an insightful morning with Cameron Bagrie, respected economist and business strategist, as he shares how to build stronger banking relationships – a key to long-term business success. 💼📈

Our own Matt from Optimise Finance will be there too!
In addition to running Optimise Finance, Matt contributes his expertise to Chaperon, a specialist firm that supports businesses in negotiating and improving their banking relationships. He’s passionate about helping businesses get the best out of their banks – and he’ll be available for a chat on the day.

📍 Where: Joe’s Garage, Silverdale
📅 When: Friday 25 July | 7:30 AM
🎤 Guest Speaker: Cameron Bagrie
🎟️ See the link below to Register

Let’s build better business together. See you there!

https://silverdalebusiness.co.nz/events/engage-with-the-experts-building-stronger-banking-relationships-for-business-success/

Join us for a valuable morning session with Cameron Bagrie, one of New Zealand’s leading economic commentators and Managing Director of Bagrie Economics. With nearly two decades in the banking sector, including as Chief Economist at ANZ, Cameron brings deep insights into the financial landscape an...

11/06/2025

🏡 Thinking About Buying a Second Property?

Whether it's a holiday home, a rental, or helping the kids into their first place — tapping into your existing equity could be the key 🔑
No big lump sum needed. No starting from scratch.

In our latest article, we break down:
📌 What equity is
📌 How to access it
📌 What lenders look for
📌 Key risks to consider

💡 If you're thinking about using equity to buy a second property — now’s the time to get advice you can trust.

📞 Book a free, no-obligation consultation with Optimise Finance at 021 581 502 or [email protected]. We’ll help you make a confident move.



👇 Read the full article or get in touch:

Thinking about buying a second property? Whether it’s a holiday home, an investment property, or helping family onto the ladder, tapping into your existing equity could be the key to making it happen — without needing a big lump sum saved up. In this article, we’ll unpack what equity is, how t...

26/05/2025

💸 Is it time to Refix your Mortgage?

With interest rates dropping, now could be the perfect time to review your home loan.

Whether your fixed term is ending soon or you're just curious about your options, we can help you explore:

✔️ Refixing at a sharper rate
✔️ Refinancing to a better deal
✔️ Restructuring to lower your monthly repayments

A quick review could save you thousands — and give you more breathing room each month.

📍 Based on the Hibiscus Coast, we work with clients across Auckland and NZ-wide.

📞 Get in touch with Matt on 021 581 502 or [email protected] for a free, no-obligation chat.

15/05/2025

In addition to leading Optimise Finance, Matt Sommers also contributes his expertise to Chaperon, a specialist finance strategy firm supporting Kiwi businesses with their banking and growth plans.

👏 Most recently, Matt and the Chaperon team advised Kinetics Group on its acquisition of OutSource IT — a major milestone for two exceptional New Zealand-owned tech companies.
🤝 This merger combines two experienced teams committed to delivering top-tier, locally supported IT services. With OutSource IT’s NZ-hosted CloudSource platform now under the Kinetics umbrella, clients will benefit from deeper capability across cloud, cybersecurity, and infrastructure support.
🚀 It’s a brilliant example of what can happen when Kiwi businesses collaborate to scale up, improve services, and back local innovation.
🔗 Learn more about the transaction:
https://www.reseller.co.nz/article/3972941/kinetics-group-acquires-outsource-it-to-boost-service-resources-and-efficiency.html

Kinetics Group has acquired OutSource IT, enhancing the group's combined capabilities through broader skill sets, economies of scale and reduced cost of service delivery.

02/05/2025

📊 Fixed, Floating, or Split?

Which home loan type suits you best in 2025? 🏡💭

With interest rates stabilising but uncertainty still in the air, choosing the right mortgage structure is more important than ever.

In our latest article, we break down the pros and cons of fixed, floating, and split loans — and which one might be the best fit for your goals.

🔍 Whether you're a first-home buyer or refinancing, this is a must-read before locking anything in.

📖 Read the full article here

👋 Let's Optimise Your Home Loan

At Optimise Finance, we’ll help you understand your options, and structure your mortgage to fit your lifestyle and goals.

Get in touch for a free, no-obligation mortgage review.

👉 Contact Us:
📧 [email protected] or Ph: 021 581 502
📍 Based in Orewa, Auckland & Mangawhai– serving clients across New Zealand.

Choosing the right home loan structure can make a big difference to your financial future. In this article, we break down the pros and cons of fixed, floating, and split mortgages — and explain which options suit different situations in today’s market. Whether you’re after certainty, flexibili...