First-home buyers
You are buying your first home in Auckland or elsewhere in New Zealand and want to understand the lending process.
你是第一次在奥克兰或新西兰其他地区买房，希望提前了解贷款流程和资料要求。
Auckland & New Zealand | 中文/英文服务
奥克兰华人房贷顾问 Amanda Chen
Auckland Chinese Mortgage Adviser
About Amanda
Mandarin and English-speaking Mortgage Adviser in Auckland
Amanda Chen is a Mandarin and English-speaking Mortgage Adviser at Loan Market United in Auckland. Based in Auckland, she works with clients across Auckland and throughout New Zealand, helping Chinese-speaking clients understand their home loan options, prepare lending documents and navigate the mortgage process with greater clarity.
Amanda supports clients with first home loans, refinancing, investment property lending, construction lending, self-employed lending and commercial or business lending. Her approach is practical and detail-focused: helping clients understand what lenders may look for, what documents may be required, and how to prepare before applying.
With over 15 years of financial industry experience across China and New Zealand, Amanda brings a strong understanding of both local lending requirements and the questions many Chinese-speaking clients face when buying, refinancing or investing in property in New Zealand.
Before joining Loan Market NZ, Amanda worked with The Mortgage Centre, Temasek Holdings and KPMG China, gaining valuable experience across domestic and international financial markets.
中文服务
Amanda Chen 是 Loan Market United 的奥克兰华人房贷顾问
Amanda 常驻奥克兰，可协助奥克兰、北岸、东区、中区、西区、南区，以及新西兰其他地区客户了解贷款选择、准备银行资料，并更清晰地推进买房、转贷或投资房融资流程。
Amanda 可以协助首套房贷款、房贷转贷 refinance、投资房贷款、建房贷款、自雇人士贷款以及商业贷款。她的服务重点是把复杂的银行要求讲清楚，帮助客户提前了解贷款能力、首付来源、收入资料、银行流水和申请流程。
Amanda 在中国和新西兰金融行业拥有超过 15 年经验。她熟悉新西兰本地银行贷款流程，也理解华人客户在语言沟通、文件准备和审批逻辑方面常遇到的问题。
How Amanda can help
首套房贷款｜转贷｜投资房贷款｜建房贷款｜自雇人士贷款
First home loans
新西兰首套房贷款、贷款能力、首付、KiwiSaver 和银行资料准备。
Refinancing
房贷转贷、refix 和贷款结构梳理，帮助你了解现有贷款选择。
Investment property loans
投资房贷款、equity 使用、贷款结构和银行审批要求。
Construction and land lending
建房贷款、土地及建筑贷款、进度付款和申请资料准备。
Self-employed lending
自雇人士、生意主或复杂收入结构的贷款资料梳理。
Commercial and business loans
商业贷款、生意贷款和更复杂融资需求的初步沟通。
Service areas
Based in Auckland, supporting clients New Zealand-wide
Based in Auckland, Amanda works with clients across Auckland and throughout New Zealand. Service areas include Auckland Central, North Shore, East Auckland, West Auckland, South Auckland, and New Zealand-wide online support.
服务地区：Amanda 常驻奥克兰，可协助奥克兰中区、北岸、东区、西区、南区，以及新西兰其他地区客户进行线上沟通和贷款资料准备。
Who may benefit
适合联系 Amanda 的情况
Borrowing capacity
You are unsure how much you may be able to borrow before making an offer.
你不确定自己的贷款能力，想在看房或出 offer 前先了解预算。
Refinancing or refix
You are considering refinancing, refixing or reviewing your current loan structure.
你正在考虑转贷、refix 或重新整理贷款结构。
Investment or construction
You are planning to buy an investment property, build a new home or upgrade to another property.
你准备购买投资房、建房或换房。
Self-employed income
You are self-employed, a business owner, or have a more complex income structure.
你是自雇人士、生意主，或收入结构相对复杂。
Deposit preparation
Your deposit includes savings, KiwiSaver, family support, overseas funds or proceeds from another property.
你的首付涉及储蓄、KiwiSaver、父母支持、海外资金或卖房款。
Mandarin and English support
You prefer Mandarin and English support through the lending process.
你希望用中文和英文沟通新西兰房贷流程和银行资料要求。
Frequently asked questions
常见问题
Amanda 可以帮奥克兰首套房买家吗？ / Can Amanda help first home buyers in Auckland?
Yes. Amanda can help first home buyers in Auckland and across New Zealand understand the lending process, deposit requirements, documents commonly requested by lenders and possible loan options.
可以。Amanda 可以协助奥克兰及新西兰其他地区首套房买家了解贷款流程、首付要求、银行常见资料要求和可选择的贷款方案。
Amanda 提供中文服务吗？ / Does Amanda provide Mandarin service?
Yes. Amanda provides both Mandarin and English support.
提供。Amanda 可以用中文和英文沟通。
Amanda 可以协助转贷吗？ / Can Amanda help with refinancing?
Yes. Amanda can help clients review their current home loan structure and explore refinancing, refix or restructuring options.
可以。Amanda 可以帮助客户了解现有贷款结构，并探讨转贷、refix 或重新安排贷款的可能性。
自雇人士可以申请房贷吗？ / Can self-employed clients apply for a home loan?
Yes, but lenders may require different documents depending on the business structure, income history and overall financial position. Amanda can help explain what may be needed.
可以，但银行通常会根据公司结构、收入记录、财务资料和整体情况进行评估。Amanda 可以协助你了解通常需要准备哪些资料。
Contact Amanda
Ready to discuss your home loan options?
如果你正在奥克兰或新西兰其他地区准备买房、转贷、投资房贷款或整理贷款资料，欢迎联系 Amanda 了解下一步。
Amanda Chen
Mortgage Adviser | Loan Market United
Based in Auckland, New Zealand
Call 021 214 3218 amanda.chen@loanmarket.co.nz
WeChat: Amandachen_nz
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