A mortgage, business loan or insurance policy can affect your finances for years. OneLife Financial turns complex choices into a clear next step — so you understand what is being recommended, why it may suit you and what to consider before proceeding.
Your goals do not arrive in a standard form. You may be trying to purchase your first home, improve the way your mortgage is structured, fund a business opportunity or protect the people who rely on you.
We begin by understanding what matters to you. We then explain the relevant options available through us, point out the important trade-offs and help you complete the next steps. The aim is not to make the decision for you — it is to help you make it with confidence.
Whether you're buying, refinancing or protecting what matters, we bring the options, trade-offs and next steps into plain view.
Borrowing is about more than an interest rate — the amount, term, structure and lender requirements all affect how it works in real life.
Cover should reflect the financial impact an illness, injury or death could have on you and the people around you.
Clear advice is not only about finding a product. It is about saving you time, explaining the choices properly and supporting you after the application has been submitted.
We help manage lender or insurer research, application preparation, documentation and follow-ups — making the process clearer and easier to manage.
We stay informed about provider criteria, loan structures and insurance options available through us, helping you understand suitable choices for your circumstances.
Your recommendation is based on your goals, financial position and priorities — not a standard solution. We explain the options and trade-offs in plain English.
We remain available through approval, settlement or policy placement and can review your lending and insurance as your circumstances change.
Tell us what you want to achieve and what is happening in your financial life.
We gather the information needed to understand your position, priorities and any limits on the advice.
We assess relevant products from the providers available through OneLife Financial.
You receive a clear explanation of the suggested approach, including important costs, risks and limitations.
If you choose to proceed, we help with the application and communication through to the provider's decision.
OneLife Finance services took the stress out of refinancing my properties! Their team was super communicative, keeping me in the loop every step of the way. Their responsiveness and clear explanations made the whole process smooth. Highly recommend if you're looking for a hassle-free refinance experience 😊
Kaushal provides outstanding advice and always puts the client needs first, balancing it with your financial ability. I recently had a claim and he supported me throughout the process on almost a daily basis.
I've had a fantastic experience with Onelife Financial Services from day one. The team is incredibly professional, but a special shout-out goes to Himank for his outstanding support and dedication. He made the entire process seamless.
Our experience with Kaushal was absolutely amazing! 🏡🔑 From start to finish, the mortgage process was incredibly smooth and stress-free. He explained everything in a clear and understandable way, and thanks to his expertise, we secured a great deal.
Definitely recommend Himank and the team at Onelife. Have been working with them for almost over a year now — with a new mortgage and re-finance. You guys are the best at making everything easy, quick and straightforward. Cheers.
We had an excellent experience working with Kaushal Patel throughout the mortgage process. They were professional, responsive, and incredibly knowledgeable. He took the time to explain everything clearly and answered all our questions.
10/10 experience with Kaushal. I was recommended here by a friend and am thrilled at how efficient and effective the whole process was with Onelife. Thank you again Kaushal for your efforts in helping me get my home loan!
Kaushal was absolutely fantastic! He made the whole refinancing process so smooth and easy. I'm extremely happy with the result and his excellent service. Highly recommend!
We had an excellent experience with Kaushal Patel. He helped us get the home loan with good rates and also advised about insurance and refinancing. Thank you Kaushal Patel.
Kaushal and the team at Onelife Financial handled my refinance efficiently and got me a competitive rate. The process was straightforward, and communication was clear throughout. I'd recommend them for a hassle-free refinance.
I have been working with Mr Kaushal for 2 years. He was the best at explaining to me and my partner both the advantages and disadvantages of the home mortgage and life insurance. When it was time to refix he got us a great interest rate from the bank.
Kaushal has been our family's go-to person for all mortgage related work. He is not only very knowledgeable but also street smart. He keeps things simple and to the point. Not only us but my extended family also go straight to Kaushal.
Buying a new home is a daunting task and the mortgage side of things even more so. Having someone to navigate the home loan application process and recommend which rates to fix, and for how long, among other advice, is priceless.
One of the best service providers. Did my refinancing and also bought another property with their help.
One Life Financial team are excellent to work with. I highly recommend them. They have been so very helpful and made purchasing a property easy. I have no hesitation in recommending them. — Sara
I can't say enough good things about Onelife Financial Services! Their service is absolutely fantastic, and they truly go above and beyond. I'm always excited to recommend them to friends and family. Keep up the amazing work! 🎊
Buying a first home is not easy, but it was a very smooth and stress-free process with Kaushal. He guided me in every step to my best interest.
Kaushal and his team helped us towards buying our first home, and the loan application was an easy process through Kaushal.
Excellent service by Himank. Always provides better options to customers.
Very knowledgeable in finance. Got us a loan incredibly easily. Highly recommendable.
Kaushal looked after our mortgage and insurance needs and made the whole thing simple and stress-free.
Experts at their best — top notch service, definitely recommended. And we will visit again soon 🤞🤞
Excellent service — highly recommend the OneLife team.
OneLife Financial is a New Zealand financial advice business helping individuals, families, property investors and business owners make informed lending and insurance decisions.
Our approach is personal but our focus is firmly on the client. We listen first, explain the available choices in plain English and recommend an approach only after considering your circumstances, goals and priorities.
From the first conversation through to application and ongoing review, OneLife Financial provides one connected advice experience across mortgages, business lending and personal insurance.
About OneLife Financial →
If you are considering a property purchase, reviewing your lending, planning business finance or thinking about personal insurance, begin with a conversation about what you need.
Book a Free ConsultationInformation on this website is general and is not personalised financial advice. Before providing advice, OneLife Financial will seek information about your circumstances, goals and needs and will explain the nature and scope of the advice being provided.
Lending is subject to the lender's eligibility criteria, responsible-lending assessment, terms and approval. Insurance is subject to the insurer's underwriting, policy terms, exclusions, limits and approval. Benefits are payable only when the applicable policy terms are met.