Jorja Woodward Mortgage Adviser

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Jorja Woodward Mortgage Adviser In this challenging market I can be your lending expert helping you navigate your financial journey.

Products:

First Home Loans
Refinancing Loans
Investment Loans
Personal Loans
Commercial and Business Loans
Land and Construction Loans
Self Employed Loans
Insurance
Bridging Loans

You know it is the change in Seasons,Winter to Spring when the Hockey Season is complete. Super proud of the Whanganui ...
13/09/2026

You know it is the change in Seasons,

Winter to Spring when the Hockey Season is complete. Super proud of the Whanganui Collegiate Girls 1st X1.

Out standing season winning the intercity prem 1 division in the Palmerston North Schools competition as well as placing 11th in the country at Fed Cup in Whangarei.
- not bad for a school with roughly 150 girls!

Love supporting talented sports women competing at a sport they love - Life Direct has your back! so keep pushing yourselves on and off the field.

Fuel bills through the roof or the winter chill creeping into your home?Kia ora koutou — fuel costs hitting hard this wi...
10/07/2026

Fuel bills through the roof or the winter chill creeping into your home?

Kia ora koutou — fuel costs hitting hard this winter?

We're in the thick of it right now — power bills going up, heating cranked, and petrol prices still eye-watering. It's a tough time of year to feel comfortable at home, and even tougher on your wallet.

Here's something a lot of Kiwis don't know yet: you could use an Eco Loan to fix that — right now.

What's an Eco Loan?
It's a specially discounted top-up on your existing home loan — available from most of NZ's major banks — designed to fund energy upgrades for your home. Think:
Heat pumps & insulation
Double glazing
Solar panels
Hot water heat pumps

Rates at some banks are as low as 1% — compared to standard top-up rates of 7-8%. That's real money back in your pocket.

And there's even more good news...
If you're eligible for the Warmer Kiwi Homes grant, the government may cover up to 90% of your insulation and heat pump costs for free — before you even need the loan.

Whether you own your own home or an investment property, making it warmer and more energy efficient doesn't just feel better — it adds value, cuts bills, and improves the health of everyone inside.

Let Jorja do the mahi for you.
I'll compare all the major banks, check your grant eligibility, and set up everything from application to drawdown. My advice is completely free — the bank pays me, not you.

Drop me a message or hit the link below to have a korero. Nga mihi!

LifeDirect Mortgages | lifedirect.co.nz

Fuel bills through the roof or feeling the winter chill creeping into your home?Kia ora koutou — fuel costs hitting hard...
05/07/2026

Fuel bills through the roof or feeling the winter chill creeping into your home?

Kia ora koutou — fuel costs hitting hard this winter?

We're in the thick of it right now — power bills going up, heating cranked, and petrol prices still eye-watering. It's a tough time of year to feel comfortable at home, and even tougher on your wallet.

Here's something a lot of Kiwis don't know yet: you could use an Eco Loan to fix that — right now.

What's an Eco Loan?
It's a specially discounted top-up on your existing home loan — available from most of NZ's major banks — designed to fund energy upgrades for your home. Think:
Heat pumps & insulation
Double glazing
Solar panels
Hot water heat pumps

Rates at some banks are as low as 1% — compared to standard top-up rates of 7-8%. That's real money back in your pocket.

And there's even more good news...
If you're eligible for the Warmer Kiwi Homes grant, the government may cover up to 90% of your insulation and heat pump costs for free — before you even need the loan.

Whether you own your own home or an investment property, making it warmer and more energy efficient doesn't just feel better — it adds value, cuts bills, and improves the health of everyone inside.

Let Jorja do the mahi for you.

I'll compare all the major banks, check your grant eligibility, and set up everything from application to drawdown. My advice is completely free — the bank pays me, not you.

Drop me a message or hit the link below to have a korero. Nga mihi!

LifeDirect Mortgages | lifedirect.co.nz

Mums, dads, and grandparents — read this one.Your tamariki could be closer to buying their first kainga than any of you ...
03/07/2026

Mums, dads, and grandparents — read this one.

Your tamariki could be closer to buying their first kainga than any of you realise. And you might be able to help — even if you can't hand over a 20% deposit.

The Kainga Ora First Home Loan is a government-backed scheme that lets eligible buyers purchase with just a 5% deposit at standard bank rates.

Who might qualify?
Singles earning under $95K.
Couples earning under $150K combined.
Anyone with 3+ years of KiwiSaver contributions.
Previous owners who no longer own property

The biggest barrier isn't the income. It's not knowing the scheme exists.

Share this with your whanau.
I'm Jorja Woodward, Wellington mortgage advisor at Life Direct Mortgages. I offer free 30-minute eligibility checks — no obligation, no jargon.
027 417 1748 | [email protected]

"We're saving for our 20% deposit. We think we're about four or five years away."Then I explain the Kainga Ora First Hom...
19/06/2026

"We're saving for our 20% deposit. We think we're about four or five years away."

Then I explain the Kainga Ora First Home Loan — and the timeline changes dramatically.

Here's what a lot of Wellingtonians don't know:
-> The Kainga Ora First Home Loan requires only a 5% deposit
-> The Crown underwrites the loan
-> Income threshold: $95,000 single or $150,000 combined
-> Combine KiwiSaver (3+ years) + savings + whanau gift
-> 7 banks participate — each with different rates, cashback, and policies

The difference between a 5% and 20% deposit on a $730K Wellington home is $109,500 — and approximately 8–12 years of waiting.

The Kainga Ora First Home Grant was closed in May 2024. The First Home Loan is a separate, fully active scheme — and one of the most underutilised tools in the NZ property market today.

If you know someone in the $80–150K income range who's been renting and saving, share this. They may already qualify.

I offer free 30-minute eligibility assessments — no obligation, no fees, just clarity.
027 417 1748 | [email protected] | lifedirect.co.nz

Mums, dads, and grandparents — read this one.Your tamariki could be closer to buying their first kainga than any of you ...
17/06/2026

Mums, dads, and grandparents — read this one.

Your tamariki could be closer to buying their first kainga than any of you realise. And you might be able to help — even if you can't hand over a 20% deposit.

The Kainga Ora First Home Loan is a government-backed scheme that lets eligible buyers purchase with just a 5% deposit at standard bank rates.

Who might qualify?
Singles earning under $95K.
Couples earning under $150K combined.
Anyone with 3+ years of KiwiSaver contributions.
Previous owners who no longer own property

The biggest barrier isn't the income. It's not knowing the scheme exists.

Share this with your whanau.
I'm Jorja Woodward, Wellington mortgage advisor at Life Direct Mortgages. I offer free 30-minute eligibility checks — no obligation, no jargon.
027 417 1748 | [email protected]

Still renting? You might already have enough to buy.The Kainga Ora First Home Loan = 5% deposit. Standard rates. No catc...
14/06/2026

Still renting?

You might already have enough to buy.

The Kainga Ora First Home Loan = 5% deposit. Standard rates. No catch.

That's $36,500 on a $730K Wellington home — not $146,000.

Combine your KiwiSaver + savings and you could be closer than you realise.

I'm Jorja — Wellington mortgage advisor. I compare all 7 participating banks for free and do the hard work so you don't have to. One free chat could change everything.

Book your free 30-min eligibility chat — link in bio, or DM me anytime.

Fuel bills through the roof or the winter chill creeping into your home?Kia ora koutou — fuel costs hitting hard this wi...
12/06/2026

Fuel bills through the roof or the winter chill creeping into your home?

Kia ora koutou — fuel costs hitting hard this winter?

We're in the thick of it right now — power bills going up, heating cranked, and petrol prices still eye-watering. It's a tough time of year to feel comfortable at home, and even tougher on your wallet.

Here's something a lot of Kiwis don't know yet: you could use an Eco Loan to fix that — right now.

What's an Eco Loan?
It's a specially discounted top-up on your existing home loan — available from most of NZ's major banks — designed to fund energy upgrades for your home. Think:
Heat pumps & insulation
Double glazing
Solar panels
Hot water heat pumps

Rates at some banks are as low as 1% — compared to standard top-up rates of 7-8%. That's real money back in your pocket.

And there's even more good news...
If you're eligible for the Warmer Kiwi Homes grant, the government may cover up to 90% of your insulation and heat pump costs for free — before you even need the loan.

Whether you own your own home or an investment property, making it warmer and more energy efficient doesn't just feel better — it adds value, cuts bills, and improves the health of everyone inside.

Let Jorja do the mahi for you.
I'll compare all the major banks, check your grant eligibility, and set up everything from application to drawdown. My advice is completely free — the bank pays me, not you.

Drop me a message or hit the link below to have a korero. Nga mihi!

LifeDirect Mortgages | lifedirect.co.nz

Address

Level 1/10 Hutt Road Petone Wellington
Paraparaumu
5012

Telephone

+64274171748

Website

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