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You’re more than a number 

Perfect financial outcomes can be life changing, so we set up Factor Financial to put people, lives and futures at the heart of the formula. Using the human factor we simplify equations, subtract challenges, add value and find meaningful solutions that make the difference. 

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Charging
you nil
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Right from the start, our advice, time and services are paid for by the banks and lenders with whom we do business. On the rare occasion that fees apply, we’ll outline them with you well in advance. 

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Knowing what counts
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We bring experience and strong industry relationships, taking personal responsibility for the process and your success. You’ll find our enthusiasm for both is genuine. 

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Multiplying your gains 
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Expect fast-won future-proofed solutions with rates and terms that really work. You’ll hit your goals and avoid the hassles, stress and pitfalls that lead to costly mistakes.   

Charging
your nil

+

 

Right from the start, our advice, time and services are paid for by the banks and lenders with whom we do business. On the rare occasion that fees apply, we’ll outline them with you well in advance. 

Knowing what counts
+

 

We bring experience and strong industry relationships, taking personal responsibility for the process and your success. You’ll find our enthusiasm for both is genuine. 
 

Expect fast-won future-proofed solutions with rates and terms that really work. You’ll hit your goals and avoid the hassles, stress and pitfalls that lead to costly mistakes.   
 

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April Hastilow  

Founder

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April Hastilow is a mortgage specialist and Factor Financial’s founder. Her aim is to help as many people as possible navigate and optimise their lending options, hence establishing the advisory to become a key factor in her clients’ overall financial success. April’s vision is for people to look back later and realise that working with Factor Financial was itself one of the best financial decisions they ever made.

  

Knee-deep in finance for more than a decade, April’s understanding of the DNA of lending policy, process and strategy – and the associated human impact – make her a knowledge, care and enthusiasm cell. Herself an active property investor, she’s a formidable borrowers’ advocate.

  

April’s acumen, approach and commitment to clients has been recognised by the industry at the highest levels, most recently as KAN Metro Financial Adviser of the Year 2025. She is supported by a team of equally committed and thoroughly decent human beings.  

About

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Knee-deep in finance for more than a decade, April’s understanding of the DNA of lending policy, process and strategy – and the human factor – make her a knowledge, care and enthusiasm cell. She is a formidable borrowers’ advocate. 

  

April’s acumen, approach and commitment to clients has been recognised by the industry at the highest levels, most recently as Financial Advisor of the Year 2025. She is supported by a team of equally committed and thoroughly good human beings.  

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Metro 2025 Winner 
Outstanding Mortgage  Advisor

Kiwi Advisor Network

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2024 Top Advisor
NZ Advisor

NZA

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2022 Top Advisor
NZ Advisor

NZA

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2021 Top Advisor
NZ Advisor

NZA

NZ Adviser Top Adviser 2021 Medal.png
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Young Gun 2021
NZ Advisor

NZ Advisor

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Top Advisors 2020
NZ Advisor

NZ Advisor

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Awards + Recognition

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Here’s what our clients say:

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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

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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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

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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

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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

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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

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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

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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

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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

Here’s what our clients say:

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

Here’s what our clients say:

HomePG_HeroBackground_V3.jpg

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.

Kate & Ben Laing

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

HomePG_HeroBackground_V3.jpg

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

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For support and services that make life simpler, call us on 022 322 7745 or email us here.

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