Meet Jenna. Your First Home Ally.

There’s a moment when “maybe one day” turns into “okay… maybe now”.

Scrolling listings.
Saving harder.
Talking about suburbs.
Wondering if you’re actually ready.

That’s usually when we say, let’s bring Jenna into the conversation. Jenna has spent the last 18 years helping people step into home ownership. She started in banking, working inside the system. Over time, she realised one bank’s box was not big enough for real people’s lives.

So she stepped out.

Now, as an independent mortgage adviser, Jenna has access to a wide range of lenders. That means options. Strategy. Flexibility. It means advice shaped around you, not around one bank’s policy - Mortgages with Jenna.

She does the heavy lifting. The paperwork. The back and forth. The structuring. The “have you thought about this?” conversations.

And this is not a new partnership.

Philly and Rochelle have known and worked alongside Jenna long before any of us were business owners. Jenna has also worked as an adviser and in Quality Assurance and compliance within insurance. She understands both sides of the fence. Today, she sits under R&P’s Financial Advice Provider licence, and we work together to support our community with joined up mortgage and insurance advice.

One conversation. The full picture.

Because getting the keys is Plan A. Protecting everything around it is Plan B.

And both matter.

Jenna’s 5 Smart Moves Before You Buy

If you are even thinking about buying, start here.

1. Talk to an adviser early

Not when you have found the house. Before that.

A quick conversation can show you where you stand right now, what needs tightening, and what steps will make you “home loan ready”. You do not need to have it all figured out. That is what advisers are for.

2. Clean up your budget

Banks look at behaviour.

Go through your income and expenses properly. Are bills paid on time. Are accounts staying in credit. Are there subscriptions quietly draining your deposit fund.

Small tweaks now can make a big difference to how a bank sees you later.

3. Understand your real deposit

Cash savings. KiwiSaver. Gifted funds. It all counts.

In some cases, it is possible to purchase with as little as 5 percent deposit, depending on your situation. Knowing your true position removes guesswork and replaces it with a plan.

4. Reduce consumer debt

Open limits and personal loans impact affordability, even if they are not maxed out.

If you can, focus on reducing higher interest debt first. It strengthens your borrowing position and gives you more breathing room once you own the home.

5. Review your KiwiSaver risk

If you are planning to use KiwiSaver for your first home within the next couple of years, check what fund you are sitting in.

Higher risk funds can fluctuate. Lower risk options may help protect the deposit you have worked hard to build.

Why We Work Together

At R&P, we are big believers in confidence over pressure.

Buying your first home is not just a transaction. It is a shift. Financially. Emotionally. Practically. You are taking on a mortgage. You are stepping into responsibility. You are building something.

So the advice around you should be aligned.

Jenna helps you structure the loan. We help you structure the protection around it. Income cover. Life cover. Trauma cover. The what ifs that sit quietly in the background.

Same table. Same goal.

Your future, done properly.

If you are thinking about buying, even if it feels early, this is your sign to start the conversation. And did we mention that this is just the beginning? Over the coming months we’ll be sharing more conversations, blogs and practical tips with Jenna to help unpack the world of mortgages, insurance and everything in between. The goal is simple.

Less confusion. More confidence.

We are ready when you are xx