Nigel Perkins

HEAD OF MORTGAGES

As the Head of Mortgages at Haven, I specialise in personal and commercial mortgage lending.

My absolute passion is establishing and growing strong successful relationships with my clients.

“The right advice could see you mortgage-free a lot quicker than you think!”

Contact Nigel today

"We recently bought our dream home and we couldn't have done it without Nigel Perkins from Haven. Nigel made the process so simple, whether giving us great advice or answering our many questions, we always felt supported by him. He's also extremely knowledgeable and very easy to get on with. We highly recommend him."

BEX

“Thanks to Nigel for all the hard work in getting us over the line – our situation was unique and needed specialist help to make it work!”

RICHARD

“Nigel has helped us a couple of times with our mortgage needs and each time he has done a great job. The most recent time we used Nigel’s services was for a construction loan and involved switching banks. It was a long process in a difficult market, but Nigel got us over the line and got a great result that we could not have otherwise achieved. Nigel is very personable, listens to your needs and comes up with practical solutions; I would recommend Nigel to anyone looking for a mortgage broker.”

ANDREW

“I’ve had the pleasure of working with Nigel for about 3 years now, I was very impressed he took the time to really understand my financial position both from a personal perspective and business, and then thought how best to structure debt.

Nigel is always available to ‘go to bat’ for you and that is why I use a broker over direct contact with the banks. Have recommended him to other people who also had a great experience.

A true knowledgeable professional with a down to earth manner that transcends across all levels.”

SONYA

A little bit about myself

My absolute passion is establishing and growing strong successful relationships with my clients. It is important to me to understand their circumstances, their immediate needs and longer term goals.
I take the lead by fronting and managing all of the inconvenience, tension and challenges that borrowing money and lenders typically generate, so my clients can keep focused on their ‘business as usual’.

From approval to interest rate negotiation, through to fixed rate renewal and renegotiation, I don’t just facilitate lending approvals, I actively drive a ‘client for life’ philosophy.

With an extensive career in senior banking, asset finance, general insurance and mortgage advisory services, my clients are guaranteed access to a wealth of mortgage lending knowledge and experience.

Its not all just about just today’s transaction – I care about your long-term goals and creating lifelong relationships. My commitment is to maximise your borrowing power through delivering on my core values:

Ease
Capability
Pro-activity
Impartiality
Value

How I can help you

Property Investment
Property investment continues to have excellent potential for those New Zealanders focused on creating and enhancing their wealth – but it all starts with the right advice.

Optimising your investment property lending settings is a critical element in getting the most out of any investment property. Getting the lending structured upfront is critical, especially if the strategy is to further leverage your equity for future opportunities (e.g. to acquire more property, trade up the family home, buy a holiday home).

Tax efficiency, correct entity utilisation, accelerated debt reduction, and split bank lending tactics are all important considerations – take advantage of my extensive experience to assist your investment property funding strategy.

Buying a First Home
Buying your first home is an extensive undertaking. Engaging support, direction, and experience is critical in maximising the journey. Myself and Haven have full access to a broad range of banks, who all have different settings, appetites and pricing. Everyone’s financial circumstances are entirely unique – why subject yourself to one bank’s policies, and their attempt to explain these to you?

As a first home buyer, you’ll have hundreds of questions along the way, some directly about the mortgage lending, others perhaps around the wider buying and home hunting process. Leaning on my many years of experience, I can give you a good steer around all matters, and can direct you to other experts where needed (lawyers, insurers, real estate agents, accountants, etc.).

Refixing & Refinancing
Things change, and what may have been right for you a few years ago could be delaying the mortgage freedom you’ve been working towards.

Refixing your mortgage can be complicated, time-consuming and frustrating if you don’t know the market. I can talk you through the process and help you understand whether it’s beneficial for you to continue on your current structure, discuss refix options terms and rates, restructure your current setting, or refinance to source a better deal elsewhere.

Contact Nigel Today

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Terms & Conditions

Eligibility.
The Haven My Food Bag Promotion is only open to legal residents of New Zealand who are eighteen (18) years of age or older.To be eligible for the prize you must have a delivery address within the My Food Bag delivery area. My Food Bag delivers to most addresses in the postcodes found here.
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years (c) all people without a qualifying delivery address.
Competition Period.
The Competition begins on Monday 3rd July 2023 to Saturday 30th September 2023.
How To Enter.Complete a financial review with any of Haven’s advisers for any service during the entry period and you will receive one entry into the Competition.
Or,
Refer someone else to complete a financial review with any of Haven’s advisers for any service during the entry period and if they complete the review you will receive one entry each into the Competition.
Drawing the Winners
We will select 3 winners. The final winners will be drawn on Monday 2nd October via random selection by Haven Financial Advisers.Only the person who originally entered the Promotion can be awarded the prize.
The Winners will be determined by Haven Financial Advisers and will be final and no correspondence will be entered into.
The Winners will be notified by email, phone (voice or text), mail or in person. Where attempts to contact a Winner fail (e.g. when the Winner cannot be contacted by phone after three attempts or mail sent is returned) Haven Financial Advisers will select another winner. If, after successful notification, the prize is not collected within two months of being announced, it will be regarded as forfeit. (Note: 3 attempts to contact the Winner will include individual calls to any numbers provided at the time of entry.
Where the Winner is required to claim the prize in person, they must provide proper identification (eg driver’s licence, passport, birth certificate).
The Prizes
The Prizes (8 weekly My Choice (4 nights for 4) My Food Bag deliveries) are not redeemable for cash or transferable. In the event that the Prize specified in the Competition becomes unavailable for any reason, Haven Financial Advisers may substitute a prize of like or equal value.In order to claim the prize the winner will need to sign up to the My Food Bag website to manage their deliveries. In order to sign up a credit or debit card will need to be added to the account for any upgrades or additional grocery items beyond the Prize.
The Winner takes the Prize entirely at his/her own risk and indemnifies Haven Financial Advisers in respect of any claim for any accident, injury, property damage or loss of life that may occur in connection with the prize. The Winner is responsible for all insurance, tax or other costs that may be associated with the Prize. Where the Prize has associated terms and conditions the Winner accepts the Prize subject to those terms and conditions and restrictions.
The Prize must be taken as stated and no compensation will be payable if the Winner is unable to use the Prize as stated.
The Promoter (Haven Financial Advisers Limited) will not be liable for any prize(s) that do not reach the winners for reasons beyond the Promoter’s reasonable control. Where a prize is being supplied by a third party, the Promoter accepts no responsibility in connection with the provision of the prize, including without limitation, the failure of the winner to receive ownership of, or use of, the prize or any performance issues associated with the prize.
The Promoter will not be liable for failure to provide (or delay in providing) the Prize resulting from any events, circumstances or causes beyond its reasonable control, including but not limited to acts of god (natural disasters), acts of war or terrorism, national emergencies, issues of public health and safety, pandemic, mechanical breakdown, industry disputes, riots or failure of communication or power supply or voluntary or involuntary compliance with any regulation, law or order of any government.
Prizes may be subject to additional terms and conditions imposed by a third party.
The Promoter will not be responsible for any loss or damage suffered by entrants or anyone else as a result of, arising out of, or in any way connected with the Promotion or its prizes.
Social Media & Marketing
Where the Promotion is conducted across social media: a. Entrants’ conduct must comply with the rules of that social media platform. b. The Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, Instagram or Snapchat. These social media platforms are in no way responsible for any aspect of the Promotion.By entering this Promotion, entrants agree to the use of their names, photographs and likeness for promotional/advertising purposes, and agree to make themselves reasonably available for this purpose. Any copyright associated with an entry will be owned by the Promoter.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.

Terms & Conditions

1. Eligibility.

The Haven Travel Promotion is only open to legal residents of New Zealand who are eighteen (18) years of age or older.

Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years.

2. Competition Period.

The Competition begins on Monday 13th March 2023 to Wednesday 31st May 2023.

3. How To Enter.

Complete a financial review with any of Haven’s advisers for any service during the entry period and you will receive one entry into the Competition.

4. Drawing the Winner

The final winner will be drawn on Monday 5th June via random selection by Haven Financial Advisers.

Only the person who originally entered the Promotion can be awarded the prize.
The Winner will be determined by Haven Financial Advisers and will be final and no correspondence will be entered into.
The Winner will be notified by email, phone (voice or text), mail or in person. Where attempts to contact the Winner fail (eg when the Winner cannot be contacted by phone after three attempts or mail sent is returned) Haven Financial Advisers will select another winner. If, after successful notification, the prize is not collected within two months of being announced, it will be regarded as forfeit. (Note: 3 attempts to contact the Winner will include individual calls to any numbers provided at the time of entry.
Where the Winner is required to claim the prize in person, they must provide proper identification (eg driver’s licence, passport, birth certificate).

5. The Prize

The Prize (a travel voucher valued at $4,000 NZD) is not redeemable for cash or transferable. In the event that the Prize specified in the Competition becomes unavailable for any reason, Haven Financial Advisers may substitute a prize of like or equal value.
The Winner takes the Prize entirely at his/her own risk and indemnifies Haven Financial Advisers in respect of any claim for any accident, injury, property damage or loss of life that may occur in connection with the prize. The Winner is responsible for all insurance, tax or other costs that may be associated with the Prize. Where the Prize has associated terms and conditions the Winner accepts the Prize subject to those terms and conditions and restrictions.
The Prize must be taken as stated and no compensation will be payable if the Winner is unable to use the Prize as stated.
The Promoter (Haven Financial Advisers Limited) will not be liable for any prize(s) that do not reach the winners for reasons beyond the Promoter’s reasonable control. Where a prize is being supplied by a third party, the Promoter accepts no responsibility in connection with the provision of the prize, including without limitation, the failure of the winner to receive ownership of, or use of, the prize or any performance issues associated with the prize.
The Promoter will not be liable for failure to provide (or delay in providing) the Prize resulting from any events, circumstances or causes beyond its reasonable control, including but not limited to acts of god (natural disasters), acts of war or terrorism, national emergencies, issues of public health and safety, pandemic, mechanical breakdown, industry disputes, riots or failure of communication or power supply or voluntary or involuntary compliance with any regulation, law or order of any government.
Prizes may be subject to additional terms and conditions imposed by a third party (for example, vouchers may have additional terms and conditions and/or an expiry date or in the case of travel, additional terms and conditions may be imposed by airlines, service providers and venues).
The Promoter will not be responsible for any loss or damage suffered by entrants or anyone else as a result of, arising out of, or in any way connected with the Promotion or its prizes.

6. Social Media & Marketing

Where the Promotion is conducted across social media: a. Entrants’ conduct must comply with the rules of that social media platform. b. The Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, Instagram or Snapchat. These social media platforms are in no way responsible for any aspect of the Promotion.
By entering this Promotion, entrants agree to the use of their names, photographs and likeness for promotional/advertising purposes, and agree to make themselves reasonably available for this purpose. Any copyright associated with an entry will be owned by the Promoter.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.