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Steve McGowan | Mortgage & Insurance Broker | Registered Financial Adviser (RFA)

Steve's financial career started straight from high school and he gained his financial knowledge in New Zealand's largest bank - ANZ. After 10 years this gave him the grounding and understanding on "how banks work." Steve has a passion for numbers and combined with his interest in real estate, mortgage broking is the ideal way to utilise his financial skills.

27 Years of Banking & Broking Experience
ADVOCO Mortgages & Insurance started when Steve was approached by a very experienced ex-banker who ran a well established mortgage broking business. Steve quickly became a Senior Broker of the company, which became one of New Zealand's larger residential and commercial mortgage broking businesses.

With his 10 years banking experience and a further 17 years experience as a mortgage broker/adviser, Steve has been there and has the know-how to help you, whether you are a first home buyer, second home buyer, investor, developer or business operator.

Steve soon became an expert in the hard to place home loans; mortgagee sales and clients in mortgage arrears or with credit impairment. It's because of this ability to find the best solution for a client's home loan many of Steve's clients refer their friends, family and business associates to him - see their testimonials.

Arranging the home loan is only part of the service, Steve strongly believes you must protect what's precious to you - your loved ones, assets and your health. Steve will discuss the options with you.

During his 17 years of mortgage broking he has written over $463 million in home loans and saved 119 homes from mortgagee sale.

His wife; Joanne McGowan, handles the 'paper war' and looks after the administration of the office and new regulatory compliance. With Joanne making sure the wheels are oiled and everything is in order this allows Steve to concentrate on 'doing the best for his clients'.


Fair Go: Steve Uncovers Dubious 'Buy Back' Mortgage Schemes
But that's only a small part of Steve's impressive resumé. Steve's ongoing commitment to doing what is best for people was recognised when Steve was publicly acknowledged and thanked by Kevin Milne of TV One's Fair Go program for helping families who were caught up in questionable "buy back" schemes. more

With the investigative nous of Simon Mercep, all five families had their homes returned to them, thanks to the help of Steve.

Steve also has been interviewed and quoted on the web site and NZ Herald.

Is there money in marriage? >> more
Unscrupulous investors target homeowners >> more
More Kiwis lose homes as recession bites >> more 

10 homes a day taken by banks >> more
Floating rates on a high >> more
Cut loose from the noose >> more

Outside the Office
Beyond work, Steve is a dedicated family man with three young children living on Auckland's, North Shore. He thoroughly enjoys watching and playing sports. From a spectator view Steve enjoys; watching the All Blacks, Warriors, V8 Super Cars and UFC. He stays active by taking part in Brazilian Jiu-Jitsu with Coast Academy BJJ, fishing (on his brother's boat) and spending time with his family.

After 22 years of working in the City, Steve moved his offices to the North Shore to avoid wasted hours in rush hour traffic. With his wife Joanne, they enjoy the lifestyle and spending precious family time on the beach picnicking, swimming and enjoying what this beautiful city has to offer.

Steve has enrolled at Open Polytechnic to complete the National Certificate of Financial Services Level 5, Steve is a Registered Financial Adviser, which is a new industry requirement in accordance with the Financial Advisers Act 2008. A Personal Disclosure Statement is available free of charge.

Charities ADVOCO Supports
ADVOCO contributes to the following charities; The Breast Cancer Foundation, National Foundation for the Deaf, Kidney Foundation, World Vision, Lions Foundation and Westpac Helicopter Trust.

We Understand You
In short, Steve intimately understands the trials and tribulations of finding the right property, arranging the finance and then building or renovating before you move in – because he's done it himself, not only for his family, but for hundreds of other Kiwi families as well.

Doing the 'hard to place home loans' is Steve's passion by helping people arrange or restructure their home loans so they can achieve their dreams. He enjoys meeting with clients to discuss ways to help out in these challenging times, especially reducing debt so that you become debt free. Steve prides himself on discovering solutions that seemed impossible to the banks or other mortgage brokers.


For Steve's Personal Disclosure Statement

ADVOCO is < Latin > for "to call an adviser". Call us on 0800 ADVOCO (0800 238 626) or email us.


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