Mortgage Advice, Made Simple.

Because the right and clear advice can change everything.

Kiwi Adviser Network Top Performer 2026 award Outstanding Mortgage Advisor award Outstanding Specialist Mortgage Advisor award Outstanding Advice Business award
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Yulia and Denis Kim of Everglow Finance

At Everglow Finance, our goal is simple: to make the mortgage process clear, straightforward, and stress-free. As a multiple New Zealand award-winning mortgage advisory firm, we believe a mortgage is about more than securing a loan—it's about helping you achieve your property goals with confidence. Whether you're buying your first home, investing, building, refinancing, or upgrading, we provide practical advice and lending solutions tailored to your circumstances.

Everglow Finance is led by Denis Kim, who brings more than 12 years of lending experience, together with first-hand knowledge of real estate, property investing, and development. Having worked for a major New Zealand bank and as an independent mortgage adviser, Denis understands how lenders assess applications and structure finance for the strongest possible outcome.

Supported by a highly capable, multilingual team speaking English, Russian, Afrikaans, Mandarin, Serbian, and French, we deliver exceptional service from application to settlement. Most of our clients come through referrals, reflecting the trust we've earned and long-term relationships we've built.

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Why to choose Everglow Finance?
We find the right loan for you

We'll learn about your financial goals and align your needs with the best loan options from a wide range of banks.
We find the best deal for you

We have established relationships with multiple lenders who can assist us with exclusive offers, and lowered interest rates.
It is simple and stress-free

It is easy to apply for your Loan.
We use experience and market-leading systems
to keep the process smooth and efficient.

It does not cost you anything

Your lender pays us a commission when the loan is settled. Very limited exceptions apply which we discuss with you beforehand.
We will save you money on interest

We will assist you with your ongoing mortgage maintenance (refix, refinance, restructure) and help you reduce your interest expenses.

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Frequently Asked Questions
We'll support you in purchasing your initial home and help with ongoing maintenance, including services like refinancing, fixing interest rates, bridging loans, and additional funding.
We'll simplify the process of understanding the necessary steps to reach your homeownership goal.
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