Good advice. Real people. No pressure.

Proudly based in Palmerston North, we help Kiwis across New Zealand with mortgages, insurance and the plans behind them. Expect a friendly welcome, honest conversations and a team that takes your goals personally.

Mortgages

Insurance

You don’t need to figure this out on your own.

As your personal financial advisers, we’re here to support you through every stage of your financial journey. From buying your first home to protecting what matters most, we’re focused on advice that’s right for you, not what’s easiest for a provider.

Looking for advice?

Straight-up advice to support you through life’s big financial moments.

Mortgage

Whether you’re buying your first home, refinancing, or building, we’ll help you understand your options and guide you through the process with clear, calm advice.

Life & Health Insurance

We help you put the right protection in place for you and your family, explaining everything in plain English so you know exactly what you’re covered for and why.

Budgeting

Not sure where your money’s going or how to get ahead? We’ll help you create a realistic budget that works for your lifestyle and supports your goals.

KiwiSaver

From choosing the right fund to understanding how KiwiSaver fits into your bigger picture, we’ll help you make informed decisions for your future.

Good advice starts with good people

Financial advice should feel like a conversation you’re glad you had. A chance to share your plans, ask questions and explore what’s possible with someone who’s listening.

That’s the kind of team we’ve built at JKFL: approachable people with the experience to help, the patience to explain and a real interest in seeing you do well.

Good people, doing good work, for everyday Kiwis.

Meet the team

We’re here to help

Buy a home

Whether you’re buying your first home, upgrading, refinancing, or building from scratch, we’ll guide you through the process step by step.

View home loans →

Protect what matters

Life, health, income and mortgage protection can feel confusing, but it doesn’t have to be. We take the time to understand and help you put cover in place that works for you.

View insurance →

Plan for what’s next

From KiwiSaver to budgeting and long-term planning, we help you make the most of what you’re already earning. Whether you’re just getting started or checking that you’re on the right track.

Let’s make a plan →

What our clients say

“Genuine & approachable! Katie, Phil and the entire team are amazing at what they do. Outstanding communication no matter the day of the week or time of day. They’re as invested in the journey as you are and provide an enjoyable experience from start to finish. Excellent brokers & people.”

- Whetu -
"Katie and the team at JKFL went above and beyond for us! We were able to sell our home and purchase something else all feeling so comfortable and confident with the work that Katie had put in to being our financial advisor/mortgage broker. She explained everything very well and we felt like we were in great hands! Highly recommend!"

- Caitlin -
"We are ever so grateful to Katie at JKFL. She was just amazing in assisting us with purchasing our house. It was quite a stressful process, but Katie's exceptional service and reassurance every step of the way certainly made things easier. We can't speak highly enough of JKFL (both Katie and Phil) and we highly recommend them."

- Phil -
"Katie and Phil have been awesome to work with on our new home. From the initial meeting to settlement has been a smooth transition. Clear communication throughout the process. Thank you JKFL Mortgages."

- Jason -
"Our whānau highly recommend Katie and her team from JKFL Mortgage and Insurance if you need help with buying a home. Phil was amazing, helpful and always kept us updated. Phil helped our whānau achieve our goal sooner than we had planned. A huge mihi from our whānau to Phil, Katie and Maree for the incredible service."

- Libby -

JKFL - Mortgage & Insurance

Your success is our success

Get in touch