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From Smart Financing To
Dream Mortgages,
We Cover It All
For Every Stage
Of Your Life
Support For
Long-Term Stability
At LifeCycle Financial, we are an experienced and trusted financial advisory firm dedicated to helping Kiwis achieve financial confidence and long-term security. We provide a wide range of financial services, including residential and commercial mortgages, along with personal insurance products such as life insurance, medical insurance, trauma cover, income protection cover, and more.
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20+ Years Combined Industry Experience
700+ Happy Clients Served
98% Client Satisfaction Rate
Get to Know LifeCycle Financial
We offer a full range of financial services, including residential and commercial mortgages, as well as personal insurance solutions such as Life, Trauma, Total and Permanent Disability, Medical, Income Protection, Mortgage Protection, and Redundancy Cover. For home, contents, car, and business insurance, we work closely with trusted specialist partners—so you still get the right cover, without having to deal with multiple providers.
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One Call Does It All
90%
Application approval rate
$200M+
In mortgage arranged
6+
Insurance providers partnered with
20+
Mortgage providers to choose from
Our Service
Comprehensive Mortgage & Financial Solutions
Our experienced advisers bring proven expertise across the New Zealand financial market. We focus on practical advice, transparent communication, and solutions that genuinely work for you—now and in the long term.
Mortgage
With over 20 years of experience, LifeCycle Financial provides trusted mortgage advice across New Zealand for confident property ownership.
Insurance
With over 20 years of experience, we help New Zealanders choose clear, trusted insurance cover for life, health, income protection, and more—so they’re prepared for whatever comes next.
Mortgage Services Backed by Experience
From the first conversation through to approval and beyond, we’re with you at every step. By working closely with New Zealand’s major banks and lenders, we deliver customised loan options, expert guidance, and a smooth, stress-free experience.
partners to serve You Better
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Let’s Connect and Get in Touch With Us.
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Kiwi Advisor Network
Our Client Reviews
Laddi Dhillon
“I highly recommend Lifecycle financial for their efficiency and support. They maintained excellent communication and were always ...”
Monu Singh
“Really good service from Harpreet Rattan. He is really good consultant and always give good advice to help you save money and do...”
Sushwanth Sai Konigeti
“Very Professional and Quick in providing financial advice and Mortgages. Mrs Raji Rathan is being very helpful and supportive throughout the ...”
Pritpaal Sokhi
“Excellent service and great financial advice to help save money and invest wisely. Harpreet Rattan is very professional, quick...”