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Testimonials

a fantastic mortgage loan with excellent rates but also assist in taking down a "cowboy" broker. My family were grateful for his advice, effort and support...

My family and I approached Steve McGowan in 2009 because we were on the verge of losing our home. For sale signs were up on our lawn, our mortgage payments were nearly twice the amount of a normal mortgage and we also had to deal with an ex "cowboy" broker. Most of the brokers we approached earlier turned their back on us and said our situation was too difficult to help. However, Steve McGowan thought otherwise.

Steve helped us with his professional finance knowledge and banking experience as well as his hard determination. He managed to not only get us a fantastic mortgage loan with excellent rates but also assisted in taking down a "cowboy" broker. My family were grateful for his advice, effort and support.

I highly recommend Steve McGowan from ADVOCO services when you’re stuck in a huge financial rut or just need a little financial advice. No matter how big a problem, he will be there to help.

Thanks again Steve...you’re THE MAN.

Don & Brenda Makalena

From day one, Steve made me feel like we were more than just a client bringing in business he made us feel like he was genuinely concerned about us and our whanau...

Four and a half years ago we lent my eldest brother money from the equity in our family home – it seemed like a good idea. To cut a long story short it didn’t work out well at all, which left my other brother Allan and I in a very bad way financially.

During the next few months we had our mortgage sent from the bank to their credit department. The credit department gave us a fixed amount that had to be paid each week without fail. Unfortunately due to the fixed amount other bills weren’t getting paid, and the hole we were trying to get out of seemed to be getting deeper and deeper.

Through talking with a friend about my situation she mentioned a similar problem she was going through and suggested to find a mortgage broker.

I didn’t know how to look for a mortgage broker let alone pick one, so I opened the phonebook, closed my eyes and let my finger fall, and that’s how Steve became a part of our family.

From the time I rang Steve’s number I didn’t know what I was going to say or how I was going to tell a complete stranger that I was on the verge of losing my family home and that I needed money.

From the moment Steve picked up the phone, he made it so easy for me to talk about everything and anything. Over the following week we had talked just about every day and each call he would ask how Allan and I were going personally and how the whanau was. Following the phone calls Steve wanted to meet with Allan and me to advise us on all the different options he had.

Within a few days of the last phone call Steve was sitting in our kitchen asking how we were and that he had good news for us. Steve expressed that he had a lender in mind and he had done business with before and he was willing to help us financially. After telling Allan and me the news Steve went outside so Allan and I could talk privately. Within a few minutes we called Steve in and asked him “Yep where do we go from here”. Steve said “Great, I’ll put it together”. By the following week Steve had rang us to let us know that he would be sending a lawyer around to go through the documents with us and to answer any questions we might have regarding the contract.

Over the following weeks with the help of the lender, our mortgage was paid and all outstanding bills Allan and I had were cleared. We stayed with the lender for a year and then Steve took us back to a major bank.

Three and half years later with the ongoing help of Steve we have been able to renovate our home and still be able to afford the repayments, put food in our cupboards, have money for the daily bread and milk, and still have a little change left in our wallets.

Simply speaking “From day one, Steve made me feel like we were more than just a client bringing in business he made us feel like he was genuinely concerned about us and our whanau, which meant a lot”.

Words can not express the gratitude Allan and I have towards all the time and effort Steve has done for our whanau.

Annie & Allan Popata
September 7, 2012

Steve is wonderful to work with as he took the time to listen to our concerns and never judged us even though we were in major financial trouble....

From: Jo Hislop
Sent: Wednesday, 2 May 2012 2:43 p.m.
To: steve.mcgowan@advoco.co.nz
Subject: testimonial

To Whom It Concerns

We would like to recommend this mortgage broker Steve McGowan from Advoco Mortgages & Insurance Limited as this guy helped save us from losing our home. He helped us to refinance our loans and debt. Steve is wonderful to work with as he took the time to listen to our concerns and never judged us even though we were in major financial trouble. After thinking all was lost Steve saved our home. Steve kept in regular contact throughout the whole process and answered all our questions fully. We were delighted with his professional manner and the way he managed to get our financial affairs sorted quickly.

We would have no hesitation in recommending Steve McGowan for your financial needs and will be recommending him to all our friends. We will have no hesitation in contacting him again in the future if we need to.

Thank you

Wayne and Jo Hislop

All your time and effort in trying to refinance our mortgage has not gone without heartfelt appreciation and recommendation...

Dear Steve,

First and foremost I have to apologise for the delay in time it's taken to send this to you.

It has to be said that our family is ever grateful for the hard work you put into what was a doomed situation. You managed to save us from losing our house through a mortgagee sale auction. All your time and effort in trying to refinance our mortgage has not gone without heartfelt appreciation and recommendation.

We feel that you were genuinely there to help save our family home at whatever cost not just gain a fat fee or sell our house like others before you tried to do. It goes without saying that your professionalism makes you a true specialist in your field and we would hope we will always be able to rely on you with our mortgage affairs. Many thanks Steve.

Best regards,

Joyce Makalena and family

thank you so much for your financial and
unsolicited advice, as this has surely saved my home.

Steve McGowan - Mortgage Insurance Broker
From: Mary Fai [fagalorian@gmail.com]
Sent: Thursday, 31 October 2013 8:33 a.m.
To: steve.mcgowan@advoco.co.nz
Subject: Re Mortgagee Sale - Wanganui

Dear Steve

I rang you yesterday re Mortgagee Sale of our home in Wanganui. I want to thank you for your advice, you had stated that I continue to keep communications line open with the bank open, and to inform them of my situation. If I thought my lawyer was not doing his part, as I had stated to you, that I felt my lawyer was not doing enough.

I contacted the ANZ and they informed me that the last communication they had received from my lawyer was that "HE WAS NOT SURE WHAT WAS HAPPENING". So they had expedited the proceedings to sell my house.

After talking with the resolutions team at the ANZ explained my situation with kiwisaver, not receiving the first Kiwisaver hardship application form, ANZ resolutions team stated they would look into and get back to me, late yesterday afternoon Victoria from ANZ Collections assure me that once confirmation from Kiwisaver was received via email or fax will pull the auction of my property.

It is only because my lawyer was very vague with explanation and non informing them of new developments, they had been ruthless in the proceedings with mortgagee sale.

So once again Steve, thank you so much for your financial and unsolicited advice, as this has surely saved my home. I thought that a legal advisor's role (as you pay them through the nose!) would be moving heaven and earth to ensure a good outcome. Thanks again it has indeed been a very stressful time & today I feel reprieved.

Regards
Mary Fai - Tafilipepe

We found Steve very professional and approachable with down-to-earth advice...

Having approached a number of banks for refinancing and being declined in each case, Steve was our last resort.

Through Steve’s expertise, contacts and hard work, he was able to successfully gain approval for refinancing on our behalf.

We found Steve very professional and approachable with down-to-earth advice. We are very grateful to Steve for this opportunity, as it enabled us to keep our home and start afresh from a clean slate.

The refinance has also enabled us to make savings and live within our means, whereas previously, we were struggling to pay the mortgage and debts. This has made our lives easier and a lot less stressful.

Thank you again Steve.

Warren and Lena Smith

I do not know of anyone else who would take
the time and energy as Steve has done for us for which
we are very much indebted to him.

13 February 2014

TO WHOM IT MAY CONCERN

RE: STEVE MCGOWAN OF ADVOCO

We, Eti and Mary Tuipulotu are proud to be writing this testimonial for Steve.

Steve has helped us through the last 10+ years with refinancing our mortgage. Over the years Steve has helped put us on the right track and we’d be ticking along nicely until something put us behind with mortgage payments and we would contact Steve who was always willing to help us in a heart beat. Steve would go in to bat for us as there were financial institutions who didn’t want to touch us because of our history but he always found someone willing to give us the funds even though it was a big risk but Steve was always able to convince the lenders.

We recently sold our house in Auckland after contacting Steve to help us with a second mortgage to finance the renovations and we are now living in Melbourne but we do take comfort knowing that should we need help even from far away, that Steve will be there for us.

Steve has been through our journey of hardship and heartache over the years. I do not know of anyone else who would take the time and energy as Steve has done for us for which we are very much indebted to him.

We give this testimonial willingly for anyone else who may be seeking a mortgage broker to help and we absolutely recommend to anyone and everyone to seek help from Steve. He is trustworthy and will look after you from start to end.

It has been a pleasure knowing Steve over the years and we will be contacting him again, this we know!

Eti & Mary Tuipulotu

Steve took us through the process of refinancing with patience and confidence at all times with a professional friendly, understanding and non judgemental attitude towards our financial circumstances...

Hi Steve,

Here is our testimonial for your web page, sorry for the delay, life seems to have got so busy the last couple of months with lots of school things happening etc... So I finally made some time. Once again thank you..

Sending our sincere thanks Steve for helping us navigate our way through our financial nightmare to get our finances back into our control. Steve took us through the process of refinancing with patience and confidence at all times with a professional friendly, understanding and non judgemental attitude towards our financial circumstances.

Refinancing was a very stressful time for us, as we were under a deadline of a short timeframe and Steve wasn't fazed at all and was very confident we could work within our deadline at which he did. Steve always stayed optimistic and confident from start to finish, even after decline after decline when we were down to our last bank Steve was still confident and reassuring we would get there one way or another and with his expertise and persistence we did! Thank you for keeping faith when we were loosing ours. Now thanks to Steve we have a great bank with Westpac and a great bank manager. We are grateful Steve hung in there for us, Steve helped remove a huge burden from us that we thought we would never climb out of without having to sell up and lose our family home and farm.

A huge thank you for pulling all the paperwork together and crunching the numbers to make it work, down to presenting it to the banks. Other Brokers said they couldn't help us and didn't even submit the paperwork as they didn't think we would get through a mainstream bank until we engaged Steve as our broker. We highly recommend Steve as a mortgage broker and thank him so much for giving us a chance and not giving up!!

Sincere Thanks Steve

Conway & Anita

Call us on 0800 ADVOCO (0800 238 626) or email us.

Testimonial Disclaimer
Testimonials found on ADVOCO Mortgages website are examples of what we have done for other clients, and what some of our clients have said about us. However, we cannot guarantee the results in any case. Your results may vary and every situation is different. No compensation was provided for these testimonials.