We are a team of financial advisers with a mission to empower people with quality financial advice, so they can make informed financial decisions, and create a life where they’re not limited by their mortgages.
We’re more than just mortgage brokers.
Our Story
In 2017, Eugene founded Twine Financial Advisers with the aim to empower families with quality financial advice and make a significant impact on their finances. Mortgages are a significant financial commitment for most families, and Eugene recognized its potential to shape their financial futures. However, the lack of advice on how to effectively manage their mortgage leaves many New Zealanders struggling to repay their mortgages or failing to seize the investment opportunities that are in front of them.
At Twine, we believe that mortgages are a valuable tool that requires strategic management and advice, similar to any other investment. With the right approach, a mortgage can be leveraged to grow property investment and build wealth over time.
Our personalized mortgage strategies consider all relevant factors to help clients achieve their long-term financial goals. We provide tailored advice and ongoing support to navigate the complex world of mortgages, especially when interest rates and property prices keep changing.
Our extensive experience and expertise have earned us several Top Adviser awards in New Zealand and industry recognition for our work. We believe that everyone, regardless of their property journey, deserves access to expert financial advice on managing their mortgage effectively. At Twine, we go beyond getting you the pre-approval and the lowest interest rates to help families build a solid financial foundation for their future, and create a life where they’re not limited by their mortgage.
Our Approach
At Twine, we pride ourselves on being relationship-driven advisers who prioritize delivering effective and strategic mortgage advice that responds to our clients’ evolving needs. We hold integrity as a core value and make a concerted effort to educate our clients on mortgages and property, empowering them to make informed financial decisions that align with their goals.
We recognize that education is key to making sound financial decisions, and we take great care in ensuring that our clients fully understand the mortgage process and the implications of their choices. Our advisers are committed to building lasting relationships with our clients, based on trust, transparency, and mutual respect.
We believe that our success is intrinsically linked to our clients’ success, and we work tirelessly to help them achieve their financial objectives. Whether it’s navigating the complexities of the mortgage market or providing tailored advice on property investment, we are dedicated to helping our clients make the most of their financial opportunities.
Our Team
Having migrated to New Zealand in 1995 with his family, Eugene has witnessed first-hand what a powerful ‘why’ can achieve.
The Global Financial Crisis was a turning point for him, igniting a passion to help New Zealanders understand their finances beyond just the numbers. Since 2010, Eugene has since built a successful career in banking, wealth management, share broking, and mortgage advisory.
The Global Financial Crisis was a turning point for him, igniting a passion to help New Zealanders understand their finances beyond just the numbers. Since 2010, Eugene has since built a successful career in banking, wealth management, share broking, and mortgage advisory.
With his wealth of experience, Eugene offers a unique perspective that he applies to each of his clients, tailoring mortgage strategies and loan structures to their individual needs. He also has a knack for explaining complex financial concepts in practical, easy-to-understand English.
Eugene's extensive experience and expertise in the financial industry have earned him several Top Adviser awards in New Zealand and industry recognition for his approach toward mortgages and finances. He specializes in providing strategic mortgage and property advice, having helped numerous first-home buyers, property investors, and developers. He is the go-to person for complex deals with multiple entities and asset structures.
In his free time, Eugene enjoys spending quality time with his family and his young daughter. He loves being outdoors to go hiking, mountain biking, and tinkering with his car.
I have over 9 years’ experience working in financial services ranging from Assistant Adviser at a Wealth Management firm JBWere to Client Relationship Manager in UBS Sydney to Mobile Mortgage Manager at ANZ.
My love for property began when my husband and I purchased our first family home. I’m very familiar with that feeling of anticipation when we received our pre-approval and the multiple weekends of house hunting. It all came together with the ecstatic happiness at the auction when the hammer went down. I’ve become passionate about helping others achieve the same happiness.
When I work with first home buyers, I really connect with them through my own first-home buying journey. I nurture them by being their biggest advocate to the banks and guide them using my own personal experience and expertise.
I’m also a property investor with properties throughout New Zealand, so I can relate to many of my investor clients. I have a well-established network of professionals such as accountants, property managers, insurance advisers and lawyers who form a supporting team.
When I work with my clients, I keep them focused on the future through a tailor-made strategy. I listen to my clients and give them confidence that achieving their goals is possible.
In my spare time, on a sunny day you’ll see me spending time outdoors with my family and friends. Every winter we love to go skiing in the South Island.
Dan graduated from University of Auckland in 2016 and has been in the mortgage industry since 2018 after an initial stint in general insurance. He joined Twine Financial Advisers in November 2019.
Dan worked closely with Eugene since joining the team and transitioned to the role of financial adviser at the start of 2022. He has a keen interest in non-bank lending but is also very experienced with all types of lending.
He has a keen interest in property and enjoys helping families into homes!
Outside of work Dan is an avid gym goer and a die-hard Warriors fan, which can make for some interesting discussions on a Monday morning!
Reuben graduated from University of Canterbury in 2017 and spent four years in the banking and FinTech sector before joining Twine Financial Advisers in November 2020. This experience has allowed Reuben to evolve and develop his understanding in investment, technology and finance while honing the skill to articulate ideas to clients in digestible ways.
His interest in finance is built around growing wealth and creating solutions for clients, while helping people develop their own foundations of understanding in an industry that’s often complex. He’s also our resident blockchain and Web3 expert. Having also completed the Certificate in Financial Service (Financial Advice, Investment, Residential Lending), Reuben is now pursuing post-graduate studies at Massey University to obtain the Certified Financial Planner designation.
Outside of work, Reuben enjoys football, golf, hiking in the back country and tending to his house plants.
Isla is a blue roan English Cocker Spaniel, born and bred in Rotorua from a lineage of championship show dogs. The life of a show dog can be hard, but Isla was fortunate enough to not make the cut due to the spots on her nose and back. And for that, we are forever grateful. She's been part of our family and team since the early age of 8 weeks old.
Her daily responsibilities include greeting the team every morning, alerting everyone that the courier guy has arrived, and keeping the team happy and healthy by getting everyone to go for our daily lunchtime walks around Rosedale business park.
She'll join her colleagues on whatever they have going on, whether it's a team meeting or eating lunch - she'll be there.
Isla will be the first to greet you when you visit the Twine office, she'll come with her wiggliest of tails.
What our Clients Say
Emmett Vallender
2023-11-19
These guys are fantastic, a well rounded financial advisory offering. They understand your objectives and go above and beyond to help you achieve them. I recommend them to anyone looking for brokerage or financial advice.
James Barker
2023-11-16
Galina helped us get finance super fast after our own bank pulled out last minute. She helped us and responded to our many questions fast, and with Patience. If you are a first home buyer it's an overwhelming process so I would recommend Twine Financial advisers and Galina. She took so much of the stress out of the process!
Scott Paterson
2023-11-13
I have used Twine for all of my mortgages and they are a pleasure to deal with. I am based overseas and have had other brokers simply tell me they couldn't help me due to my personal circumstances. However, Twine assured me that they could help me and have guided me through the process of securing 3 properties. They are excellent communicators and break things down in to simple and easy-to-understand terms. They reply quickly and are very efficient. They simply know how to get the job done. Thanks Eugene B and Daniel J, I will continue to use Twine in the future because I know for sure they can get the deal across the line.
Lucas Lee
2023-10-18
Have been working with Daniel and the team for the past couple of years. They have been nothing but a pleasure to work with and always have your best interests in mind when providing recommendations.
Isabela Monteiro
2023-10-05
We decided to go with Eugene as our mortgage advisor from a friend's recommendation. We contacted Eugene and from the start he was so easy to speak with and detailed on explanation, which was exactly what we needed as first home buyers. He gave us the right recommendations to fit our goals, instructed us on each step and answered all my questions, always very politely and detailed. Fast forward to 2 months later and we are settled in our first home, for a price lower than what we budgeted for and still getting a house in the conditions we were looking for. I can assure that Eugene made the process very easy and stress free due to his great professional experience. Couldn't recommend him enough!
Laila Sheikh
2023-09-17
Great team! Able to pitch information at a level required for me. Listened to what I actually needed and worked on that. Also just great communication and generally a nice friendly team!
Muhammed Sadiq
2023-09-11
Eugene and team were very helpful in ensuring we get the loan settled in a timely manner. Valuable advice was provided throughout the process to ensure we got the best deal.
Dean Rodrigues
2023-09-11
Buying a first home is an incredibly daunting prospect. There is so much to know and understand, countless steps and processes in place. Twine Advisers have been amazing to work with from day dot. Eugene was incredibly responsive, extremely accommodating and had a great way of explaining information in a way that made sense to us and didn’t make us feel like we were being talked down to. His expertise and professionalism as well as friendly manner made Twine Advisers a joy to work with. We can’t recommend them highly enough.
Reza Amani
2023-08-23
I received a top notch service from Daniel. Very helpful and supportive throughout the process of mortgage application. Highly recommended