Guiding New Zealanders through mortgages, investments and smart financial decisions.
Clear advice. Tailored lending. Real results.
At McMasters Financial, we work with New Zealanders to simplify the mortgage process and help them make confident financial decisions. With 17 years of experience in banking and lending, James Lowes provides practical guidance across residential, investment, subdivision, and commercial finance.
Whether you're buying your first home, growing a property portfolio, or exploring new financial opportunities, the focus is always on understanding your goals and structuring lending that works for your long-term plans.
Financial services tailored to your goals.
Residential
Whether you're buying your first home, upgrading, or refinancing, McMasters Financial helps guide you through the residential lending process with clear advice and tailored solutions. The focus is on understanding your financial position and securing the right mortgage structure to support your home ownership goals.
Subdivisions
Subdivision projects require careful planning and the right financial structure. McMasters Financial work with clients to arrange lending for land subdivisions and development opportunities, helping navigate lender requirements and ensuring the project is supported with the finance from the start.
Commercial
Commercial lending often involves more complex funding structures and lender requirements. McMasters Financial assists business owners and investors in securing finance for commercial properties, ensuring lending solutions align with both business objectives and long-term investment plans.
Investments
Building long-term financial security often involves smart investment decisions. McMasters Financial provides guidance around property investment and KiwiSaver options, helping clients structure their finances in a way that supports wealth creation and future financial stability.
From first chat to financial confidence.
Step 1
Connect with James
Start with a conversation to discuss your goals, financial situation, and what you’re looking to achieve. This is a relaxed, no-pressure chat to understand your needs.
Step 2
Explore options
James reviews your situation and outlines the lending, investment, or financial advice options that could work best for you.
Step 3
Tailor a plan
Together, you build a personalised strategy—whether it’s structuring a mortgage, planning investments, or mapping out broader financial goals.
Step 4
Take action
Apply through the system yourself, or let James guide the process. Either way, you move forward with confidence, knowing your plan is structured around your unique goals.
Insights and resources to help you make smarter financial decisions.
Stay informed with practical advice, tips, and tools across mortgages, investments, KiwiSaver, and broader financial planning.
Case Study: Emma and Liam, first-time home buyers in Tauranga
Making the most of your KiwiSaver: Tips for New Zealanders
Understanding fixed vs floating mortgage rates: Which works best for you?
Common questions answered.
How is McMasters Financial different?
The focus is always on clarity and genuine guidance, explaining every option so it’s easy to understand. No pushy sales, just steady support for all your financial needs from home loans to investments.
Can I get help anywhere in NZ?
Absolutely. While the business began in Tauranga, I work with clients all over New Zealand and overseas. Most meetings can be done by phone, video, or email—making it easy wherever you live.
Do you charge for the first meeting?
The initial chat is entirely free. It’s a chance to talk through your plans, get honest feedback, and find out if my approach fits—no obligation or catch.
What lending options do you support?
I arrange residential mortgages, investment property loans, commercial finance, lending for expats, and can advise on KiwiSaver too.
Get started with trusted financial guidance today.
If you’re ready for practical advice, calming support, and financial choices explained in simple terms, let’s connect. With McMasters Financial, you’ll have someone in your corner, wherever you are across New Zealand.
