Mortgage adviserQueenstown & Southern Lakes, NZ

I get your full picture. So the lenders do too.

I look after your business, home and investment lending together. You explain your position once, and I put the full picture in front of the right lender.

Tell me what you're planning or, see how I'd look at yours

Your adviser

Philippa Impey

Over 15 years in banking across property and business lending. Now she looks after yours.

The whole picture

No more starting from scratch.

You shouldn't have to start from scratch every time your plans change. But most lending gets handled one loan at a time. A business facility here, a home loan there, an investment property somewhere else. Each one makes sense on its own. Together, they often don't.

So I look at business, home and investment lending together. You tell your story once, and you have one adviser who knows how it all fits.

I don't just look at the loan you're asking for. I look at what's going on across your business, home and investments, so the lending is built around what you're working towards.

Company lending, working capital, equipment and growth plans. How your business borrows shapes what a lender will do for you personally.

Who I work with

You make the moves. I'll sort the lending.

I keep a small client list, by choice. Most are one of two kinds of people, and both have lending that's more connected than it first looks.

Business owners.

You're growing the business, buying property or planning your next move, and your lending is split across all three. I treat it as one picture, not three separate loans.

Sound familiar?

Explaining your situation again and again
Being treated like another loan application
Chasing progress while you're running a business

What I do

Get to know how your business actually works
Structure company, trust and personal borrowing together
Prepare the numbers and make your case to the right lender
Keep things moving and tell you what happens next

Talk through your next move

Residential property investors.

You don't need someone to arrange another home loan. You need someone who sees how each purchase fits the portfolio, and plans for it before you commit.

What you're weighing up

What your next purchase does to your borrowing
Whether your structure still makes sense
What's possible before you sign anything

What I do

Work across multiple lenders, not just one
Plan each purchase against the whole portfolio
Tell you straight what's possible, and what isn't
Bring my own property experience, not just the lender's view

Plan your next purchase

Mortgage calculator

Run the numbers before you commit.

A quick guide for your next purchase or business move. I'll show you what a lender will actually look at.

Estimated monthly repayment

Loan amount
LVR
Then, principal and interest
Total interest (over term)
Interest saved with extra
Paid off sooner by

Talk these numbers through

Your loan balance over time

Without extra With extra Paid off

Indicative only. Not a loan offer. Lenders assess servicing at higher test rates.

How I work

Friendly enough to trust. Sharp enough to push.

I plan the structure, prepare the numbers and make your case to the right lender. Then I stay across it as things change.

01.

Know the whole picture

I look past the loan in front of me

Your business, home and investments are connected. I listen first, then look at how company, trust and personal borrowing fit together, so the lending is built around what you're working towards.

02.

Know how lenders think

I know what the lender needs to see

Over 15 years in banking taught me how lenders decide. Before anything goes in, I work out what the lender will want to see, then prepare the numbers and your story to answer it.

03.

In your corner

I tell you what I think, then see it through

I won't hand you a list of options and leave you to it. I make the case, push where there's a sensible path, say so when something isn't possible, and stay involved as your plans change.

Philippa Impey working at a café in Queenstown

About me

I spent over 15 years inside the banks. Now I'm on your side of the table.

I'm Philippa. I worked in banking for over 15 years, including Business Partner and Commercial Partner roles at ASB and BNZ. That's where I learned how lenders assess an application, what they need to see and why some deals stall.

I own property myself, so I understand it from your side as well as the lender's. And I keep a small client list on purpose. It means I know your story, I stay involved after settlement and you never get passed down the line.

15+

years in banking, on property and business lending

ASB & BNZ

former Business Partner and Commercial Partner

Multiple

lenders, so you're not limited to one lender's products

adviser. You deal with me, not a team

What GB stands for

Genuine.

I care, and I'll do right by you.

Honest answers, including the ones you weren't hoping for. Your information treated with care. I do what I say I'll do.

Bold.

I pull every lever available for you.

I ask the question others won't, of you and of the lender, and I don't take the first answer if it isn't right for you.

For accountants & lawyers

Your client's structure, respected.

Many of my clients come through the accountant or lawyer who already knows them best. When the lending touches a company, a trust and personal borrowing, hand it to me. I'll work alongside the advice you've already given and keep you updated, so you're glad you made the introduction.

Accountants Lawyers

Introduce a client

You introduce

A client whose lending needs more than a standard loan. A quick note or call is enough.

I get the picture

I work with you and your client to understand the structures you've already set up.

You stay in the loop

I keep you across the plan, so the lending supports the advice you've given.

What clients say

In your corner. In their words.

Client file · Tourism01

“She took the time to understand what we do.”

Philippa looked after our banking for 10+ years, and her support helped us grow from a small business into a corporate-sized operation. She took the time to understand what we do and tailored lending solutions to optimise our cashflow and balance sheet. She was always responsive and attentive, and she followed through on what she said she would do. I'd happily recommend her.

Owner, luxury accommodation, tourism & hospitality operator

Client file · Property02

“Then I met Philly, and everything changed.”

From the first meeting with Philippa it was clear that she is a stand-out. Previous meetings with large banks offered little-to-no hope of my dream to start a business in the Southern Lakes becoming a reality. Then I met Philly, and everything changed. She listened to the opportunity, dug into the details and provided invaluable advice, then jumped on board and has been a part of our business ever since. Totally dependable and has always, always gone out of her way to get things done, even when timeframes were insanely tight.

Local construction company owner, property investor & developer

Start here

Tell your story once. I'll take it from here.

A few lines is plenty. I'll read it myself and come back to you directly to set up a proper conversation.

Philippa Impey

Your single point of contact

Ready to get started? You can begin your application now.

Start your application