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We can not speak highly enough of Steve,
his personable manner and constant communication.

We discovered Steve’s advertisement online when we were attempting to find a contact for the Mortgage Company we were currently with – they were a very difficult Company to deal with!

We contacted Steve, who from then until completion - was great. Steve continued encouraging us, when it all seemed to be too hard. Once we had emailed everything to him, he kept in contact with us constantly and phoned us at 8.00pm one Friday evening to advise he had been successful in changing our mortgage with extremely competitive rates.

That call has changed the direction we were quickly heading towards – downwards!

We can not speak highly enough of Steve, his personable manner and constant communication.

A rare person in today’s world!

Ross & Jill Jones

 


 

Steve has been very proactive, patient and a pleasure to work with.

From: Andrea | Zest Promotions [mailto:andrea@zestpromotions.co.nz]
Sent: Tuesday, 2 July 2013 1:53 p.m.
To: steve.mcgowan@advoco.co.nz
Subject: Testimonial

We have been really happy with the advice and support Steve has given us to secure our mortgage in slightly difficult circumstances. Steve listened to our situation and gave us his professional guidance and advice, which we thoroughly appreciated. Steve has been very proactive, patient and a pleasure to work with. We wouldn’t hesitate to recommend Steve to anyone seeking a mortgage, home loan, insurance and advice. Thanks Steve.

Andrea and Nigel Kewish

Zest Promotions
postal > PO Box 1002, Cambridge 3450
address > 110 Benn Road, RD 3, Cambridge 3495, New Zealand
phone > 07 823 7962
fax > 07 823 7961
mobile > 021 558 086
web > zestpromotions.co.nz


We really don’t know where or how to begin to thank him.

We approached Steve to help us out with our finances. Never having used a mortgage broker before we were not really sure what to expect. Steve has that “never say never attitude” and managed on two occasions recently to work miracles for us. Steve achieved for us what we needed to achieve which was absolutely fantastic.

We really don’t know where or how to begin to thank him. We would highly recommend him to anyone who is looking for finance. If a bank has said “NO” Steve is the one to turn that around and get you a “YES” Thanks again Steve.

Lisa and Morrin


I do not know of anyone else who would take the time and energy as Steve has done for us for which we are very much indebted to him.

13 February 2014

TO WHOM IT MAY CONCERN

RE: STEVE MCGOWAN OF ADVOCO


We, Eti and Mary Tuipulotu are proud to be writing this testimonial for Steve.

Steve has helped us through the last 10+ years with refinancing our mortgage. Over the years Steve has helped put us on the right track and we’d be ticking along nicely until something put us behind with mortgage payments and we would contact Steve who was always willing to help us in a heart beat. Steve would go in to bat for us as there were financial institutions who didn’t want to touch us because of our history but he always found someone willing to give us the funds even though it was a big risk but Steve was always able to convince the lenders.

We recently sold our house in Auckland after contacting Steve to help us with a second mortgage to finance the renovations and we are now living in Melbourne but we do take comfort knowing that should we need help even from far away, that Steve will be there for us.

Steve has been through our journey of hardship and heartache over the years. I do not know of anyone else who would take the time and energy as Steve has done for us for which we are very much indebted to him.

We give this testimonial willingly for anyone else who may be seeking a mortgage broker to help and we absolutely recommend to anyone and everyone to seek help from Steve. He is trustworthy and will look after you from start to end.

It has been a pleasure knowing Steve over the years and we will be contacting him again, this we know!

Eti & Mary Tuipulotu


...using Advoco's Mortgage services for the first time almost 10 years ago
and we have not looked back

We started using Advoco's Mortgage services for the first time almost 10 years ago and we have not looked back since then. Steve's services have been paramount to our success with buying our own family home and several investment properties around New Zealand.

We recommend Steve's services to both first home buyers and seasoned property investors. With Advoco you will be advised on how you can pay your mortgage much faster than you would have thought possible.

Thanks
Yakout


Steve was easy to contact, got things sorted quickly, replied to our questions promptly, and helped us whenever we got stuck on something.

Bex Charteris has
recommended you on
LinkedIn

Dear Steve,

I've written this recommendation of your work to share with other LinkedIn users.

Details of the Recommendation: "Despite the difficulties of getting buying property in Christchurch, Steve managed to get us an approved mortgage in a tight time frame, working with us and also liaising with our insurance broker and solicitor.

Even though he is based in Auckland, and we are in Christchurch, Steve was easy to contact, got things sorted quickly, replied to our questions promptly, and helped us whenever we got stuck on something.

I wouldn't hesitate to recommend Steve and Advoco to anyone applying for a mortgage, anywhere in the country."


Steve was efficient, prompt to respond to emailed or telephoned questions and, noticeably, non-judgemental at what were, essentially, questions borne of ignorance of some of the systems currently being operated within the world of finance.

A Short Story for Doubting Thomases

Having spent over six months seeking an alternative lender to our existing, very unsatisfactory one, and having spoken to and supplied copious documents and information to numerous banks and other lending institutions, when my older son suggested we contact Steve McGowan my first thought was "Oh no, here we go again, another wasted journey". My son had spoken to Steve at ADVOCO a year or so before seeking finance for vehicles in his and his brother's existing transport business. The impression left by Steve was a good and lasting one, hence my son's suggestion for me to call him.

I was, frankly, despairing of ever finding anyone who would be able to extricate us from a bad company and a worse and stressful deal. However, I made the contact with Steve, gave him the bare bones of what we were looking for and waited. It wasn't long before things began to move and in less than three weeks the new arrangement was completed and our home re-financed - and at a much better rate of interest and on better terms than the previous lender. The over-complications fabricated by others in the finance field suddenly became a thing of the past.

My family and I have been in business for many years and have encountered numerous people within the finance and insurance industry - my own experience is as an insurance and suprannuation broker for fifteen years in Auckland - of all those I've met and worked with I can say with confidence that Steve McGowan is Top of my Pops!

Steve was efficient, prompt to respond to emailed or telephoned questions and, noticeably, non-judgemental at what were, essentially, questions borne of ignorance of some of the systems currently being operated within the world of finance.

I am personally happy to provide an opinion, verbal testimonial or answers to questions from anyone contemplating taking on the task of dealing with the finance houses and banks in today's home loan market. I recommend simply that you hand this brief to Steve McGowan, because he handles it with ease and eliminates the stress.

This testimonial is unsolicited.

Mike Francis-Roberson
Bay of Plenty
roboclan@safe-mail.net
Monday, 8 October 2012


Holly and Alexander say "thank you Steve and Joanne" for making it all so easy and taking the hassle out of what can often be a stressful experience.

Steve McGowan - Mortgage Insurance Adviser
From:
roboclan@safe-mail.net
Sent: Sunday, 16 March 2014 2:13 p.m.
To: steve.mcgowan@advoco.co.nz
Subject: Unsolicited Testimonial

TO WHOM IT MAY CONCERN FROM MIKE FRANCIS-ROBERSON TAURANGA, BAY OF PLENTY, NEW ZEALAND

In October 2012, after many hard months of trying to re-mortgage our family home away from a more than harsh, overseas-influenced financial environment (Australian-based company) we finally and, as it turned out, very fortunately made contact with Steve and Joanne McGowan at Advoco.

As outlined in our 2012 comments on Steve's website, we had just about given up on ever finding a lending institution to re-finance us when we found Steve and Advoco. Since that time we have steered both our daughter (in Auckland) and our son (Bay of Plenty) through Advoco's door to good terms and a relaxed frame of mind over mortgages!
Holly and Alexander say "thank you Steve and Joanne" for making it all so easy and taking the hassle out of what can often be a stressful experience.

Mike Francis-Roberson
March 16 2014
roboclan@safe-mail.net


Steve took us through the process of refinancing with patience and confidence at all times with a professional friendly, understanding and non judgemental attitude towards our financial circumstances...

Hi Steve,

Here is our testimonial for your web page, sorry for the delay, life seems to have got so busy the last couple of months with lots of school things happening etc... So I finally made some time. Once again thank you..

Sending our sincere thanks Steve for helping us navigate our way through our financial nightmare to get our finances back into our control. Steve took us through the process of refinancing with patience and confidence at all times with a professional friendly, understanding and non judgemental attitude towards our financial circumstances.

Refinancing was a very stressful time for us, as we were under a deadline of a short timeframe and Steve wasn't fazed at all and was very confident we could work within our deadline at which he did. Steve always stayed optimistic and confident from start to finish, even after decline after decline when we were down to our last bank Steve was still confident and reassuring we would get there one way or another and with his expertise and persistence we did! Thank you for keeping faith when we were loosing ours. Now thanks to Steve we have a great bank with Westpac and a great bank manager. We are grateful Steve hung in there for us, Steve helped remove a huge burden from us that we thought we would never climb out of without having to sell up and lose our family home and farm.

A huge thank you for pulling all the paperwork together and crunching the numbers to make it work, down to presenting it to the banks. Other Brokers said they couldn't help us and didn't even submit the paperwork as they didn't think we would get through a mainstream bank until we engaged Steve as our broker. We highly recommend Steve as a mortgage broker and thank him so much for giving us a chance and not giving up!!

Sincere Thanks Steve

Conway & Anita


Steve is wonderful to work with as he took the time to listen to our concerns and never judged us even though we were in major financial trouble....

From: Jo Hislop
Sent: Wednesday, 2 May 2012 2:43 p.m.
To: steve.mcgowan@advoco.co.nz
Subject: testimonial

To Whom It Concerns

We would like to recommend this mortgage broker Steve McGowan from Advoco Mortgages & Insurance Limited as this guy helped save us from losing our home. He helped us to refinance our loans and debt. Steve is wonderful to work with as he took the time to listen to our concerns and never judged us even though we were in major financial trouble. After thinking all was lost Steve saved our home. Steve kept in regular contact throughout the whole process and answered all our questions fully. We were delighted with his professional manner and the way he managed to get our financial affairs sorted quickly.

We would have no hesitation in recommending Steve McGowan for your financial needs and will be recommending him to all our friends. We will have no hesitation in contacting him again in the future if we need to.

Thank you


Wayne and Jo Hislop


I am so grateful and thankful for everything you have done...

From: Shannon Paikea
Sent: Wednesday, 2 May 2012 3:13 p.m.
To: steve.mcgowan@advoco.co.nz
Subject: House Purchase

Hi Steve

I just want to thank you for all your help, time and effort in helping me purchase the property, I am so grateful and thankful for everything you have done also helping me understand the process as I had absolutely NO idea lol.

Once again Steve thanks for everything and I wish you and your family blessings.

Kind regards

Shannon Paikea


I can’t thank Steve enough for his advice, support and his
“this can be achieved” attitude...

I have used Steve’s mortgage broking services twice now. In 2007 Steve helped me to achieve my dream of becoming a home owner for the first time when traditional lenders weren’t interested, and now for the second time in 2011 on another property when again the same lenders hesitated, Steve said no problem and quickly found me a lender with excellent rates and they even consolidated my debts for me!

I can’t thank Steve enough for his advice, support and his “this can be achieved” attitude. I highly recommend Steve’s services, his professionalism and solid understanding of the financial environment that he has worked in for many years.

Sharalon SutherlandGo to Top


 

Steve has made it possible for our family to growth wealth and safeguard ourselves with the right insurance package...

My wife and I have dealt with Steve over the past 10 years for mortgage and insurance needs. We have always found him totally professional and prepared, while never losing that human touch important in matters that impact so much on our financial lives.

As journalists we can see through the BS that you sometimes get but Steve is refreshingly straight-forward and up front about all costs and options.

In short, he's a bloody good guy who you can trust.

Steve has made it possible for our family to growth wealth and safeguard ourselves with the right insurance package.

I would recommend him to anyone seeking advice/action in financial/insurance/mortgage matters.

Gary & Lois Birkett Go to Top


which just goes to show that signing an agreement with Steve is just the beginning not the end of his service to his clients...

When my wife and I were looking to purchase our first house we tried to go to the banks first and soon found that they weren’t that helpful with providing first time buyers with the information we needed.

We decided to go with a mortgage broker and were lucky enough to find Steve McGowan. Steve was more than happy to meet with my wife and at times that was convenient for us and provided us with the information we needed.

Steve presented us with options that suited us and just made the whole process run smoothly. Throughout the last 8 years he has been there to give good advice and always keeps in touch which just goes to show that signing an agreement with Steve is just the beginning not the end of his service to his clients, this is why we have had no hesitation in recommending him to our family and friends.

Kind Regards
Jason & Marlene.
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Thank you Steve for your confidence
& knowledge...

My experience with banks has not been good, so finding Steve was just the best thing for me & my growing property portfolio.

Steve took all the stress out of financing and made it all happen with ease, even when I had my doubts! I always felt like I was being helped by a friend.

Thank you Steve for your confidence & knowledge. You helped me make some dramatic changes in my lifestyle.

Lianne HughesGo to Top


spent time with me working through my insurance requirements and making changes and recommendations...

I recently required finance to buy out my business partners and was interested in increasing my life cover. I contacted Steve and explained how complicated my financial situation was because of the way my family trust and business ownership was structured.

He fully understood and worked with my accountant to make things flow smoothly. It all came together and the finance for purchasing my partners shares went through without a hitch.

Steve spent time with me working through my insurance requirements and making changes and recommendations. His communication with the underwriters and myself was excellent.

Steve is a friendly professional who knows his stuff and I would have no hesitation in recommending him to friends and acquaintances, in fact I have on more than one occasion.

Regards

Bryce Frewin
Auckland Lock Services Ltd
Ph: 0800 856 257 (+64 9 827 5425)
Fax: 0800 756 257 (+64 9 827 5458)
Email: bryce@aucklandlock.co.nz
Web: www.aucklandlock.co.n
zGo to Top


I have never met a person who gives so much of his personal time to make sure you get what you want when you want it...

I have known Steve for over 5 years and in that time have used his services many times including arranging re-mortgage finance for my son & daughter to buy a business, as well as trying to help my sister and her husband with their mortgage.

I have never met a person who gives so much of his personal time to make sure you get what you want when you want it. He worked tirelessly after hours to help my son & daughter secure the business they wanted.

Every year we all receive a birthday and Christmas card without fail, just one of the many lovely things that Steve does for his clients, or should I say friends, because that’s what you become after meeting him.

If you love the personal touches and excellent customer service then you can’t go past Steve at Advoco Mortgages & Insurance Limited.

You won’t be disappointed…

Yours sincerely

Ira Rawiri
027 242-3552 or 09 570 4887
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All your time and effort in trying to refinance our mortgage has not gone without
heartfelt appreciation and recommendation...

Dear Steve,

First and foremost I have to apologise for the delay in time it's taken to send this to you.

It has to be said that our family is ever grateful for the hard work you put into what was a doomed situation. You managed to save us from losing our house through a mortgagee sale auction. All your time and effort in trying to refinance our mortgage has not gone without heartfelt appreciation and recommendation.

We feel that you were genuinely there to help save our family home at whatever cost not just gain a fat fee or sell our house like others before you tried to do. It goes without saying that your professionalism makes you a true specialist in your field and we would hope we will always be able to rely on you with our mortgage affairs. Many thanks Steve.

Best regards,

Joyce Makalena and FamilyGo to Top


I highly recommend using Steve as a Mortgage Broker...

I have always found dealing with Steve McGowan very comforting. Refinancing can be stressful, especially when accounting is not your forte’. Steve has always taken over the process, telling us exactly what to do and what not to do and has made the process very smooth. I highly recommend using Steve as a Mortgage Broker.

Greg & Nancy DohertyGo to Top


Steve’s expertise and persistence proved to be a god send...

I was first introduced to Steve back in 2003 when we were buying our first property on the North Shore. Despite people saying that the process is one of the more stressful times in your life, Steve’s expertise and persistence proved to be a god send. The whole experience was smooth and felt effortless.

Since that first purchase we have sold and relocated to Hawkes Bay. Again we called on Steve to take the stress out of the situation with our next house purchase. Even with the distance involved the sale went through seamlessly.

I will be in no doubt as to who I call next time we decide to move or upgrade.

Bruce and Louise CurtisGo to Top


I regard him as a friend and would recommend Steve to anyone...

Steve McGowan is a caring family man. I have known Steve since 1985 when we worked together at ANZ. He has been looking after my mortgage needs for over ten years now. He is good at what he does and I rate him very highly in both business and personal dealings. I regard him as a friend and would recommend Steve to anyone.

Solo Elu MailataGo to Top


I found Steve was the only guy who really understood our business and our needs...

I had Steve secure our home loan in December 2010. We are self employed and my first involvement with Steve was in 2005 during raising finance on a property development.

He had since he had made the point of making contact once a year since and as a result I gave him the opportunity to broker our most recent mortgage.

Times have changed since 2005 especially for the self employed raising finance and I have found the majority of other brokers and most certainly the banks continually run on a hopeless “form filling, box ticking mentality”.

Steve’s banking knowledge, resourcefulness and hardened business experience ensured we had the best chance of getting the deal across the line which he achieved. I found Steve was the only guy who really understood our business and our needs, being a self employed operator himself.

I would certainly engage Steve again as a first option when the time comes for us to refinance.

I am happy to comment on request.

Justin Sollitt
Director, Sollitt Group of Companies.
Warkworth
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We found Steve very professional and approachable with down-to-earth advice...

Having approached a number of banks for refinancing and being declined in each case, Steve was our last resort.

Through Steve’s expertise, contacts and hard work, he was able to successfully gain approval for refinancing on our behalf.

We found Steve very professional and approachable with down-to-earth advice. We are very grateful to Steve for this opportunity, as it enabled us to keep our home and start afresh from a clean slate.

The refinance has also enabled us to make savings and live within our means, whereas previously, we were struggling to pay the mortgage and debts. This has made our lives easier and a lot less stressful.

Thank you again Steve.

Warren and Lena SmithGo to Top


I trust him implicitly and have no hesitation in recommending him...

I have known Steve for more than 3 years through our BNI Group (Business Network International Group). During that time I have found him very professional and prompt in all my dealings with him.

I run my own business so time is a huge priority for me and Steve dealt all aspects of my recent purchase of a property. He removed all stress and procured the best deal for my needs.

I found his communication excellent in keeping me up to date with his progress on the project. I trust him implicitly and have no hesitation in recommending him.


Craig Davies
155 Beach Haven Rd
BEACH HAVEN 0626
Ph: 09 483 2371
Fax: 09 483 2371
Mobile: 021 841 171
Email: craig@hmsltd.co.nz
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was amazed how simple he made a complicated process

I acquired the services of Steve McGowan from Advoco Mortgages & Insurance Ltd. He was brilliant given a very short time frame in obtaining me pre-approval from two Banks 3 hours before the Auction which I wanted to attend.

He attended the Auction with me providing advice and support as I bid for the house. I was very happy with the mortgage that he brokered and was amazed how simple he made a complicated process.

Thanks again Steve for helping me buy my first home.

Steve Anderson.Go to Top


Steve takes the time to get to know you as his client and listens to your needs., gaining your trust to discuss financial matters and requirements in a fully-informed professional manner.

I have known Steve McGowan for the past 20 years, originally as a work colleague at the ANZ Bank and in the later years I have used his services as my mortgage broker.

During this time I have always found Steve to be very professional in all aspects of his work. He is always available to meet with his clients and discuss financial matters and keeps his clients fully informed about what is happening in the market through regular contact. He has an excellent knowledge of his products and services he works with and is always well informed about the options available for his clients.

Steve takes the time to get to know you as his client and listens to your needs., gaining your trust to discuss financial matters and requirements in a fully-informed professional manner.

I have found Steve easy to deal with. He always gets back to my enquiries as promised and I have never had to chase him to follow up an enquiry.

I would be happy to recommend Steve McGowan to anyone looking for a mortgage or insurance broker.

Yours sincerely

Lynda SullivanGo to Top


in my dealings with Steve I was impressed
with his execution and attention to detail.

I had a need for some urgent funds which were not the easiest to secure, a friend suggested I contact Steve McGowan a mortgage broker in Auckland.

I duly contacted Steve who after a short period of time (it seemed like forever) he was able to provide $400k of secure finance at little more than the existing money market rates offered by the NZ trading banks.

Steve was on time and assisted me when I needed help, all his paperwork was correct, his dealing with the entities left no questions unanswered and allowed the funds required to be introduced when required.

Steve communicated with the Banks with total aplomb, in my dealings with Steve I was impressed with his execution and attention to detail.

Yours sincerely

Roger Thomas
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we found his service to be honest and as helpful as possible

We used Steve McGowan as a mortgage broker and all times we found his service to be honest and as helpful as possible. At all times Steve to be made an effort to help us, I would highly recommend his services.

Yours faithfully


Chris Doreen and Natasha Ward
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he was referred to me with excellent references
for his services of mortgage broking

I have known Mr Steve McGowan for the past seven months as he was referred to me with excellent references for his services of mortgage broking

I have found Steve very friendly and sincere, with an approachable manner. His understanding was welcomed, as he gave clear direction and guidance which helped me immensely on our first consultation.

His advice was precise and efficient (due to his business resources and experience) and the outcome for me was positive and speedy due to this.

Steve’s manner was very professional and I would highly recommend his business services and would not hesitate to refer friends and work colleges for Steve’s services.

Sincerely

Ana Simiona
Satisfied client
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He is very patient , full of down to earth honest advice
and what I liked the most - he wasn't pushy.

Steve was great! for all his advice and support and securing me a great loan. I would highly recommend Steve as a Mortgage broker. He is very patient , full of down to earth honest advice and what I liked the most - he wasn't pushy.

I sought his advice for a year whilst looking for a property until I found my dream place. He has also offered me on going support with my mortgage and plans to pay it off faster. He definitely works for his clients and I can't recommend him enough if you're a first home buyer like myself.

Janette Freeman

 

 

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