Mortgages
made human
We handle the hard stuff — so you don’t have to. No jargon, no stress.
Our Services
From first-home lending to refinancing and investment support, here’s how we help you move forward with confidence.
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First home buyer
Buying your first home? We’ll guide you every step of the way — no overwhelm, just clear advice and support that makes it all feel doable.
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Next home
Upgrading your home or growing your space? We’ll help you plan, get pre-approved, and make confident moves toward your next property.
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Investment lending
Whether it’s your first rental or one of many, we’ll help you structure smart lending that supports your long-term investment goals.
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Debt consolidation
Too many debts floating around? We’ll help you explore options to roll them into one manageable solution — and breathe easier.
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Building/Renovating
From new builds to dream renos, we’ll help you navigate contracts, lenders, and timelines — so the finance side doesn’t get in your way.
About us
We’re not just mortgage advisers — we’re your calm in the chaos.
llama & co was founded on the belief that mortgages don’t have to be cold, confusing, or full of jargon. We do things differently — combining real expertise with warmth, honesty, and a down-to-earth approach that puts people first.
Whether you're just getting started or looking to grow, we're here to guide you with clarity, calm, and genuine care.
Our simple process
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We’ll kick things off with a relaxed chat to understand where you’re at, what you’re aiming for, and how we can help
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We’ll guide you through a simple online application and let you know exactly what documents we need — no guesswork, no stress.
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We review your application, crunch the numbers, and research the best lenders and options for your unique situation.
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Once we’ve mapped out your best options, we’ll jump on a call (or meet in person) to walk you through everything — clearly, calmly, and without pressure.
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We submit your application, get you pre-approved, and support you right through to unconditional finance and settlement. Then it’s time to pop the bubbly — you’re officially a homeowner!
Client stories: Real experiences, real results
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D Naidoo
As first-time homebuyers in Auckland, we honestly had no idea where to even begin with the mortgage process. From our very first conversation, Ro made everything incredibly easy and straightforward.
She was a true guiding light, keeping us informed every step of the way and patiently answering our million questions (seriously, we had so many!). Ro’s expertise, calm demeanor, and genuine care completely transformed what could have been a daunting experience into an exciting journey. What's more, she's already started helping us think about our future property goals, which shows just how invested she is in her clients' long-term success!
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A Kellett
can’t thank Ro enough for making my mortgage journey so easy and stress-free. From day one, Ro took the time to truly understand my situation and what I was hoping to achieve. She explained everything in a way that made sense, answered all my (many!) questions with patience, and made me feel completely supported throughout the process.
Thanks to Ro’s expertise and dedication, I secured a great mortgage deal without all the usual headaches. If you’re looking for someone who genuinely cares and will go the extra mile for you, I highly recommend Ro!
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J Lashford
Purchasing a house can be very stressful and Ro has been amazing throughout the entire process. I had tried a few other advisors and because I’m on a single income with 2 dependents, I felt they didn’t really bother to help me and turn me away very quickly which made me give up multiple times.
Ro has been encouraging and supportive the entire journey and was willing to look at my application and work with me to achieve my home ownership dream. I really don’t think I could have done it without her support, guidance and positivity. -
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B O'Regan
Ro was absolutely brilliant to deal with. Very knowledgeable and took a great deal of stress out of the first home/new build process. She went the extra mile in terms of advice and helping us through some challenging processes.
Fully recommend Ro as a financial advisor to anyone looking to make the next move in life.
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J Roberts
Ro was an absolute asset from the get go. She completely understood my situation and brought positivity and a can-do attitude to everything.
She is an absolute professional and would highly recommend her to anyone looking for an advisor that puts their client first!
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E Bowen
My sister and I recently purchases our first home together and Ro was there every step of the way answering any and every question we had.
She made the process of getting a mortgage so smooth and we felt that we were in very safe and capable hands to guide us through what can be a very daunting process!
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G Norton
Ro has been an amazing mortgage adviser, helping us through our first home buyer journey. Ro is really dedicated to what she does, is understanding, and genuinely cares about finding the best solution.
Ro made us see that buying a home was within reach and answered anyquestions we had no matter how small they were. We are grateful for all the work and time she has put in and would recommend her to anyone, looking to buy a home!
