You've built a good income. But somewhere in the back of your mind, you know your mortgage isn't keeping up with where you're headed.
You're right. And it's fixable.
Jessie Parker - our home loan expert
Next Step: Complete the short survey below to help us understand if we can help
A mortgage adviser who thinks like a strategist
Vesta isn't a call centre. We're a boutique advisory business based in Hawkes Bay. We have over 50 years of banking experience so we know how they think, and how to get the best out of them for you.
We work with professionals, business owners, and property investors across New Zealand who want their lending to actually work for them, not just tick a box.
We look at your full picture: income, debt, goals, timeline and structure your lending accordingly. Then we manage the bank on your behalf so you don't have to.
Do you want clarity in your finances? If the answer is yes, we can help.
What our clients say
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'Jess from Vesta was absolutely amazing at helping us sort out a refinance for our existing home loan. She is efficient, knowledgeable and an absolute pleasure to work with. I definitely recommend Vesta!.'
— L Arends
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'Excellent from start to finish, would highly recommend Jessie & Jess, they have put together a great team that take care of every aspect of the application process in a clear and friendly way. We loved working with them and will do so again in the future.'
— J Ellis
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'We worked with Jess to work through a number of options for restructuring our lending to make our money work better for us! We talked through our goals and Jess really took the time to understand our full position before delivering an awesome outcome!'
— C Cutbush
FAQs
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No. Our service is free to you. We're paid a commission by the lender once your loan settles. That means we're fully incentivised to get you the best outcome — not the fastest one.
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Absolutely. Most of our clients come to us already in a mortgage. A review costs you nothing and often uncovers real savings — especially if your circumstances have changed since you first set it up.
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It's one of our specialities. We regularly work with self-employed borrowers, business owners, and people with variable or multiple income streams. We know how to package your financials in a way lenders understand.
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A strategy conversation takes around 30 minutes. From there, timelines vary depending on the lender and your situation — but we'll keep you updated at every step so there are no surprises.
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Yes. We're based in Hawke's Bay and love working with clients face-to-face — though we work with people across New Zealand remotely too.
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Yes! Refinancing can help you save on interest, access better loan features, or unlock equity for renovations or investments. We’ll review your current lending and negotiate with banks on your behalf.
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If you're self-employed, lenders will assess your business income differently. We'll help you prepare the right documents (e.g. financials, tax summaries) and match you with lenders that understand small business owners.
Meet Jessie Parker
JESSIE PARKER
Financial Adviser
Jessie is the co-founder of Vesta Finance & Advisory and the person most of our residential lending and KiwiSaver clients work with directly.
She spent nine years in finance — most of them at BNZ in Personal and Private Banking — before co-founding Vesta with a clear vision: that people deserve advice that actually puts them first.
Jessie has a quiet way of making complex things feel simple. She's thorough, she's calm, and she doesn't let things slip through the cracks. Clients often say they didn't realise how much they didn't know until they sat down with her.
She looks after our residential lending, KiwiSaver, and financial planning clients — and she'll take care of you from the first conversation right through to settlement and beyond.
Don’t worry about sounding professional. Sound like you.
