Jesse Silulu - Financial Adviser

08/09/2026

👀 There’s one thing banks really don’t want to see on your statements, and it could hurt your home loan application more than you think.

Find out what it is in this week’s Tip & Tena. 🏡

05/09/2026

Settlement day looked easy from the outside. Behind the scenes was a different story 😅

A refinance client had everything lined up this week, until the bank flagged that the address on their insurance certificate didn't quite match the wording on the loan documents. One tiny formatting difference, that's all it took.

Cue a scramble getting the insurer to reissue it correctly, with the settlement date only a day away. We sorted it in time and the client's day went off without a hitch. They never had to stress about it.

That's the part people don't see: the chasing, the small fixes, making sure nothing slips through the cracks. That's where I come in.

If your settlement's coming up and you'd like someone keeping an eye on the details, get in touch and let's make sure your day is boring in the best way 😉

02/09/2026

OCR on the up as expected 😬

📈 The OCR has increased by 0.25% to 2.75%.

This could also lead to higher bank test rates, which are used to assess whether borrowers can comfortably afford their repayments. For those on tighter budgets, this may reduce borrowing power or make getting approved a little harder.

Wondering what it could mean for you? Get in touch with the Zest team for a chat. 🏡

30/08/2026

🏆 GIVEAWAY WINNER! 🏆

A huge congratulations to MIKE PAORA! You’re the lucky winner of a new Northland Polo! 🎉👏

Thanks to everyone who entered and showed their support.

Now it’s time to get behind the boys…
🔵⚪ UP THE TANIS! 💪🏉

25/08/2026

🏠 Got a gap between your savings and the deposit you need for your first home?

In this Tip and Tena, I cover off one way you may be able to bridge that gap and get closer to owning your first home! 💚

22/08/2026

🏉 MERCH GIVEAWAY 🏉

It's been a crazy week on the field! Taniwha claiming the Ranfurly Shield, the Warriors winning, the All Blacks winning too. I'm celebrating with a giveaway.

Up for grabs: a team jersey of your choice. Whoever you're backing.

To enter:
✅ Like this post
✅ Follow my page (Facebook or Instagram)

🎉 Bonus: if we hit 2000 likes, I'll pick a second winner!

Winner/s drawn Sunday 30th at lunchtime. Good luck!

One NZ Warriors All Blacks Northland Rugby Union

21/08/2026

Think you don't qualify for a home loan? You might be wrong 🤔

Had someone tell me this week they never even bothered asking, because they were sure the answer would be no.

Turns out there were more options than they realised. Schemes like the First Home Loan exist for exactly this kind of situation, low deposit, first home buyers, more doors open than people expect.

You don't know what's possible until you actually ask. That's where I come in, nice and simple, no judgement either way.

If you've talked yourself out of it before even checking, don't. Flick me a message and let's find out what's actually on the table for you. No pressure, no jargon.

19/08/2026

🏉 Bank not playing ball?

Sometimes it’s about changing the game plan, or finding a bank that will! Here’s today’s Tip & Tena 👇🏽😄

11/08/2026

Worried your bank statements look messy before you apply for a home loan? Honestly, so would mine 🫣

This is one of the most common questions I get. Clients stress about takeaways, taxi rides, the odd big purchase, thinking it'll tank their application.

Here's the truth. Banks aren't grading your coffee habit. They're looking at patterns, whether you can comfortably manage repayments, and whether anything looks genuinely out of the ordinary.

Normal spending goes up and down. That's just life, not a red flag. If there's something unusual, a simple explanation usually sorts it.

If you're putting off applying because your statements feel embarrassing, don't. Send them my way, no judgement here.

08/08/2026

Always gotta make time for a bit of fishing between the approvals!

Work hard, fish harder… or something like that! 😎🎣