
Factor Financial
+ You
We’re an industry-recognised independent financial advisory specialising in mortgages. Working with us means:
+ Impartial mortgage advice and services, almost always with no fees
+ Fast process and personal, proactive approach
+ Extensive product knowledge, efficiency, responsiveness
+ Big picture thinking, future-proofed solutions
+ Strong industry relationships and recognition
+ KAN Metro Financial Adviser of the Year 2025
Factor Financial
+ You
We’re an industry-recognised independent financial advisory specialising in mortgages. Working with us means:
+
Impartial mortgage advice and services, almost always with no fees
+
Fast process and personal, proactive approach
+
Extensive product knowledge, efficiency, responsiveness
+
Big picture thinking, future-proofed solutions
+
Strong industry relationships and recognition
+
KAN Metro Financial Adviser of the Year 2025

April Hastilow+
You’re in good hands. Our CEO April manages $120m+ per year in settled loans; has settled over $650m in her career so far; has been in the top 12 of almost 3,000 financial advisers in the country year on year; was awarded KAN Metro Financial Adviser of the Year 2025; and is herself a keen property investor. She's smart, warm and friendly, and determined to help.
Our CEO April handles $120million+ per year in mortgage loans;
is in the top 12% of NZ financial advisors;
and was awarded NZ Financial Advisor of the Year 2025.
Awards + Recognition
+
Recognition


Metro 2025 Winner
Outstanding Mortgage Advisor
Kiwi Advisor Network

![NZAW Top Advisers 2024 Certificate April Hastilow[5] copy.png](https://static.wixstatic.com/media/b5d7bb_1429c9e0a42c456caa280aadce3725b0~mv2.png)
2024 Top Advisor
NZ Advisor
NZA


2022 Top Advisor
NZ Advisor
NZA


2021 Top Advisor
NZ Advisor
NZA


Young Gun 2021
NZ Advisor
NZA


Top Advisors 2020
NZ Advisor
NZA

Help + Advice
Our services, expertise & friendly support cover these lending areas:

Lenders we work with
Factor Financial has strong working relationships with these banks and lenders:

Here’s what our clients say:

April is an incredible advisor. She has the most incredible ability to make even the most complicated mortgage scenarios clear. Her wisdom, confidence and personable approach is rare. She’s the best of the best.
Lydia and Logan Wingate

I cannot recommend April at Factor Financial enough! We approached April with nothing more than a block of land we liked, unsure of what lending options might be available to us for pursuing a new build on a lifestyle block. April immediately assessed what we could afford and also contributed to the design process with insightful and helpful tips from her own building experiences. She found multiple lending options for us and recommended what she believed would be the best fit. Do yourself a favour and look no further for any and all financial advice!
Cameron Doake

I could not recommend April highly enough. Her advice was always spot on. She was very skilled at explaining foreign concepts in an easy to understand manner. She moved mountains to address our tight deadline. Always went the extra mile in every single interaction.
Waleed Bukhari

Entering the housing market can be a stressful and difficult process. We have used April for many years now, for our own home and investment properties. She has never lead us wrong. Her knowledge and advice is invaluable and has set us up for a successful financial future. Her communication and tireless work ethic makes the process so easy for her clients. I recommend her to anyone who will listen and I am so thankful she’s our advisor!
Amanda Ranjan

When I came to April Hastilow, I was an absolute novice to house buying and home loans. April told us what to expect during each phase of the home buying journey. She fought tooth and nail for us with lenders, and got an incredible result. Lastly she broke down mortgage structures and plans in a way that was simple, easy to understand and lifted the veil on any blindness we might have had, walking into home buying. All of this while remaining professional, empathetic and kind, every step of the way.
Everard Petrie

April has been our financial advisor for many years now, and there is a good reason for that. She is a powerhouse who helped us into our first home with absolute efficiency, but importantly, made the process easy and understandable. In a world where financial jargon can be intimidating, she was so good at explaining systems and terms so that we felt confident making lending decisions. April is the epitome of charm and friendliness – she always makes us feel like our enquiry is the most important part of her day.
Michelle & Michael

We feel so lucky to have used April as our mortgage broker over the past five years. She has far exceeded our expectations of a mortgage broker. She has been particularly knowledgeable in the area of split banking and how to best structure our multiple mortgages across a number of lenders to get the most out of our investment portfolio. This area can be complex but she makes the process easy. She is supportive of us and our goals and we fully trust her and her team.
Kirsten & Tom Hyland

Working with April on my lending has been a dream. She’s incredibly easy to work with, it seems like she’s a step ahead of me and is always ready with answers to my many questions. I really feel like she went above and beyond, and I get the impression that’s her standard. She’s proactive and fast with organising my refixes, without her advice and help I wouldn’t be where I am today. I’m really stoked to work with April on all my lending.
Scott Daley

April came highly recommended by several people and we understand why. She is knowledgeable, professional and prompt. She explained everything in a way that we clearly understood and supported us completely when we felt out of our depth buying our first home. April took the time to listen to our needs and got us the best possible outcome. She is the reason we now own our dream home and we look forward to working with her again in the future.
Kate & Ben Laing

Working with April was an absolute game changer in my home buying journey. Her expertise, patience, and genuine care made the entire process smooth and stress-free. She took the time to understand my needs, provided clear and honest advice, and found the best mortgage option tailored to my situation. No question was too small, and her guidance gave me complete confidence in my decisions. I can’t recommend April highly enough – she truly goes above and beyond.
Kate Dear

For support and services that make life simpler, call us on 022 322 7745 or email us here.
Here’s what our clients say:
A colleague recommend April, and it’s hands down the best recommendation my wife and I have ever received. She’s a true professional - friendly, relatable, highly knowledgeable, efficient, and genuinely committed to improving her clients’ financial positioning. We particularly appreciated the advanced and seamless on boarding and documentation processes, which made the entire refinancing experience smooth, informative, and enjoyable. We can confidently say that the level of service April and her team provided, both during the process and after settlement, is a rare find. Just glad to be here!
Ash Pearson
As first-time homebuyers, the process of securing a mortgage felt overwhelming—until we met April Hastilow. She took the time to educate us on mortgage options, interest rates, and the housing market, ensuring we understood every step before making decisions. Her patience, knowledge, and dedication made the entire experience far less intimidating. If you’re looking for a mortgage broker who genuinely cares and takes the time to guide you, April is the one!
Rebecca & Jay
April is the best advisor in the business. Working in the industry myself I have high expectations and April constantly goes above and beyond with her drive to achieve the best possible outcomes. I am currently going through a separation which is not only emotionally difficult but also difficult in regard to splitting the assets, loans and lining up of timing. April is always patient, kind and offering suggestions of structure and solutions to make the process as seamless as possible. I could not recommend April enough - she has consistently made a very difficult situation, easier.
Michelle Parrington
Working with April was an absolute game changer in my home buying journey. Her expertise, patience, and genuine care made the entire process smooth and stress-free. She took the time to understand my needs, provided clear and honest advice, and found the best mortgage option tailored to my situation. No question was too small, and her guidance gave me complete confidence in my decisions. I can’t recommend April highly enough – she truly goes above and beyond.
Kate Dear
April came highly recommended by several people and we understand why. She is knowledgeable, professional and prompt. She explained everything in a way that we clearly understood and supported us completely when we felt out of our depth buying our first home. April took the time to listen to our needs and got us the best possible outcome. She is the reason we now own our dream home and we look forward to working with her again in the future.
Kate & Ben Laing
Working with April on my lending has been a dream. She’s incredibly easy to work with, it seems like she’s a step ahead of me and is always ready with answers to my many questions. I really feel like she went above and beyond, and I get the impression that’s her standard. She’s proactive and fast with organising my refixes, without her advice and help I wouldn’t be where I am today. I’m really stoked to work with April on all my lending.
Scott Daley
We feel so lucky to have used April as our mortgage broker over the past five years. She has far exceeded our expectations of a mortgage broker. She has been particularly knowledgeable in the area of split banking and how to best structure our multiple mortgages across a number of lenders to get the most out of our investment portfolio. This area can be complex but she makes the process easy. She is supportive of us and our goals and we fully trust her and her team.
Kirsten & Tom Hyland
April has been our financial advisor for many years now, and there is a good reason for that. She is a powerhouse who helped us into our first home with absolute efficiency, but importantly, made the process easy and understandable. In a world where financial jargon can be intimidating, she was so good at explaining systems and terms so that we felt confident making lending decisions. April is the epitome of charm and friendliness – she always makes us feel like our enquiry is the most important part of her day.
Michelle & Michael
When I came to April Hastilow, I was an absolute novice to house buying and home loans. April told us what to expect during each phase of the home buying journey. She fought tooth and nail for us with lenders, and got an incredible result. Lastly she broke down mortgage structures and plans in a way that was simple, easy to understand and lifted the veil on any blindness we might have had, walking into home buying. All of this while remaining professional, empathetic and kind, every step of the way.
Everard Petrie
Entering the housing market can be a stressful and difficult process. We have used April for many years now, for our own home and investment properties. She has never lead us wrong. Her knowledge and advice is invaluable and has set us up for a successful financial future. Her communication and tireless work ethic makes the process so easy for her clients. I recommend her to anyone who will listen and I am so thankful she’s our advisor!
Amanda Ranjan
I could not recommend April highly enough. Her advice was always spot on. She was very skilled at explaining foreign concepts in an easy to understand manner. She moved mountains to address our tight deadline. Always went the extra mile in every single interaction.
Waleed Bukhari
I cannot recommend April at Factor Financial enough! We approached April with nothing more than a block of land we liked, unsure of what lending options might be available to us for pursuing a new build on a lifestyle block. April immediately assessed what we could afford and also contributed to the design process with insightful and helpful tips from her own building experiences. She found multiple lending options for us and recommended what she believed would be the best fit. Do yourself a favour and look no further for any and all financial advice!
Cameron Doake
April is an incredible advisor. She has the most incredible ability to make even the most complicated mortgage scenarios clear. Her wisdom, confidence and personable approach is rare. She’s the best of the best.
Lydia and Logan Wingate