Your Trusted Loan Experts
At Apple Mortgage, we believe your home loan journey should feel simple, stress-free, and fully supported. That’s why we’re more than just mortgage brokers – we’re your long-term loan partners.
Locally owned and operated from Mount Eden, we service clients from Christchurch to Queenstown. We take pride in giving every client the personal attention they deserve.
Let’s take the stress out of getting a loan – speak with our team today.
How We Work – Our 6-Step Process
- Quick 10-Minute Loan Check
- Understanding Your Goals
- Tailoring Your Options
- Guiding Your Application
- Finalising With the Lender
- Support After Settlement
Whether you’re a first-time buyer or refinancing, we guide you through every step.
Let’s make your loan journey simple.
Meet the Team
Johnson Cheng
Founder & Advisor
With 10 years distinguished experience in the banking and finance industry, Johnson renowned for his expertise in a wide range of home loan lending, from standard mortgages to complex building development construction loans. As the director and advisor of Apple Mortgage, Johnson offering the trusted advice to clients seeking tailored financing solutions by his extensive knowledge and deep understanding of various lenders’ policies and products. When you choose Johnson as your finance provider, you can trust that you’re in capable hands. Experience the difference with him and unlock the possibilities for your home financing needs with confidence and peace of mind.
Johnson拥有在银行和金融业10年的卓越经验， 以其在各种住房贷款领域的专业知识在业内被熟知。 从标准抵押贷款到复杂的建筑开发建设贷款， 作为苹果抵押贷款的开创者和专业顾问之一， Johnson凭借其丰富的知识， 和对各种贷款机构政策以及产品的深刻理解， 为客户寻求量身定制的融资解决方案， 并提供可信赖的建议。 当您选择Johnson作为您的融资顾问，他用专业，经验和信誉帮您掌舵，解锁您的家庭融资需求的可能性； 通过体验不同的贷款产品和服务，您能放心地把信任交给苹果贷款。
Snow Zhu
Partner & Advisor
With over a decade of invaluable experience in the banking sector, Snow Zhu brings a wealth of financial expertise to the table. Having served with distinction in three of the industry’s leading mainstream banks: ASB, Westpac and BNZ, Sown has honed her skills and cultivated a deep understanding of the intricate workings of the financial world. Specializing in construction development loans and equity release solutions, Snow leverages her extensive background in banking to provide comprehensive guidance tailored to each client’s unique needs, she has earned the trust and respect of clients and industry peers alike. Get reach to Snow to be your personalized construction loan plan.
Snow在银行业拥有超过十年的宝贵经验, 储备了丰富的金融专业知识。 深耕十年，Snow分别从业于新西兰本地三家领先主流银: ASB、Westpac和BNZ。期间，Snow培养了专业技能，更深入理解了金融世界的复杂运作。 如今，作为金融贷款顾问，她更专注于建设发展贷款和权益释放解决方案。 Snow善于运用她在银行业的丰富背景，为每个客户的独特需求提供全面的指导， 这使得她赢得了客户和行业同行的信任和尊重，更获得了丰富的客户关系网。 请联系Snow，定制您的建设贷款计划。
Katie在房地产和金融行业拥有超过7年的丰富背景，是团队顺利运行的助力，为团队带来了的行政经验和专业的行政支持。现在的角色是在苹果贷款确保运营无缝，辅助金融顾问，并为我们尊贵的客户随时提供帮助。
Katie Gu
Assistant
With a rich background spanning over 7 years in the real estate industry, Katie brings a wealth of experience and expertise to assistant and administrative support our team. Katie’s role is to ensure seamless operations and provide indispensable aid to our esteemed clients and colleagues.
Katie在房地产和金融行业拥有超过7年的丰富背景，是团队顺利运行的助力，为团队带来了的行政经验和专业的行政支持。现在的角色是在苹果贷款确保运营无缝，辅助金融顾问，并为我们尊贵的客户随时提供帮助。
Calvin Liu
Finance Adviser
With a robust background encompassing 6.5 years of dedicated service at Westpac Bank in New Zealand, Calvin Liu brings a wealth of financial acumen and industry insight to his current role as a mortgage broker. Transitioning from the traditional banking sphere to the dynamic realm of independent mortgage brokerage, Calvin has established himself as a beacon of reliability and professionalism. His career has been marked by a relentless pursuit of excellence and a steadfast commitment to delivering unparalleled service to his clients. Calvin specializes in Residential Home Loans and Residential Equity Release, leveraging his extensive expertise to provide tailored financial solutions.
经过在新西兰Westpac银行专注深耕的6年半，Calvin携着深厚丰富的金融知识，行业洞察力，以及他特有的细腻周全的服务，多年致力于服务他的忠实客户们。他细致的服务和专业，助力他在苹果贷款自信的担任资深抵押贷款经纪人角色。 从传统银行业转向抵押贷款经纪领域，Calvin已确立自己作为可靠和专业的典范。他的职业生涯是一直以来以对金融专业的卓越的追求，以及对客户提供无与伦比的服务，以此两点作为他坚定的职业目标。Calvin专注于住宅贷款和住宅权益释放，利用自己丰富的专业知识提供量身定制的金融解决方案。
Leo Li
Finance Adviser
Leo has the degree in Finance and over 4 years’ experience in finance industry along with 17 years in a customer service role for a NZ Top 5 Corporation. Beyond his impressive track record, Leo is defined by his unwavering passion for helping his clients find the most suitable mortgage solution. Focus on Residencial Home loan, Leo can assist with arranging refinancing, debt consolidation, and home loan pre-approvals. His expertise extends to those buying a first home, upsizing or downsizing an existing home, property investors and self-employed borrowers. By forging strong relationships built on trust and reliability, he ensures that his clients receive the support and guidance they need every step of the way.
Leo拥有金融学学位，超过4年的金融行业经验，以及17年的新西兰前五大公司的客户服务经验。除了这些出色的业绩记录。Leo以对帮助客户找到最合适的抵押贷款解决方案的坚定，真诚和热情而著称。 专注于居民住宅贷款，Leo可以协助安排再融资、债务整合和房屋贷款预批。他的专业可以延伸到首次购房者、升级或downsize现有住房的人士、房地产投资者和自雇借款人。经历多年在新西兰市场的关系构建，Leo通过他个人信任和忠实度，确保提供给客户细节到每一步的支持和指导。
Jane Guo
Finance Adviser
With nearly 4 years of experience in the mortgage advisory industry, I’ve had the privilege of helping more than 100 families achieve their dream of buying homes and investment properties. I hope to become a sincere life friend with clients, and dedicated to finding the best financial solutions for them. —whether it’s a home loan, business loan, personal loan, or construction loan.
I’ve successfully worked with all major banks as well as smaller lenders, and I’ve also built strong knowledge and relationships with many non-bank lenders to ensure a wide range of options for clients’ customised needs. I hold two Master’s degrees—one in Industrial Economics and the other in Business Management. Before becoming a mortgage adviser, I gained valuable experience working in an international company and a tertiary institution here in NZ. Throughout my career, I’ve always been passionate about providing professional, reliable service and building genuine connections with clients. I find great fulfilment in helping people achieve their goals through tailored financial solutions.
Thank you for your trust. I’m here to make your loan process as smooth and stress-free as possible. Feel free to reach out anytime on 0274693819—I’d love to have a chat and see how I can help with your lending needs.
在近四年的房屋贷款咨询行业中，我已经服务过几百个客人，帮助超过100个家庭实现了他们的购房与投资梦想, 致力于为客户不同的需求找到最合适的金融解决方案。
我与新西兰所有主要银行及中小型银行都有成功合作的经验，同时也积累了丰富的非银行贷款知识——无论是房屋贷款、商业贷款、个人贷款还是建筑贷款方面。我有产业经济学和企业管理两个硕士学位。在进入房屋贷款行业之前，我曾在新西兰的跨国公司和高等教育机构工作。这些经历让我在职业生涯中始终秉持专业、可靠的服务理念，与客户建立了真诚互信的合作关系。帮助客户通过我的专业知识解决问题、实现目标，是我最有成就感的事情。
感谢您的信任。我会尽全力为您提供顺利、省心的贷款体验，满足您的个性化需求
Lydia Chen
Finance Adviser
With over 7 years’ experience in New Zealand’s construction and real estate industry, supported by a strong accounting background, Lydia provides clear and practical mortgage advice. She specialises in helping first-home buyers, self-employed clients, and property investors secure financing with confidence. Lydia combines financial expertise with insider knowledge of lender policies and products to deliver strategic, tailored financing solutions. From pre-approval to settlement and beyond, she takes a step-by-step approach to ensure clients feel informed, supported, and confident in their home loan decisions. Work with Lydia as your trusted mortgage advisor. Let’s secure the right loan—strategically tailored for you, right from the start.
拥有 7 年以上新西兰建筑与房地产行业经验，并具备扎实的会计背景，Lydia 为客户提供清晰、务实的房贷建议。她专注于协助首次购房者、自雇人士以及房地产投资者，帮助他们更有信心地获得合适的融资方案。
Lydia 结合专业的财务知识与对各大银行政策及产品的深入了解，为客户量身定制具有策略性的融资解决方案。从贷款预批到交割完成，乃至之后的每一步，她都以循序渐进的方式，确保客户始终清楚了解流程，感到安心并充满信心。
选择 Lydia 作为您值得信赖的房贷顾问，让我们从一开始就为您
Sunny Solanki
Finance Adviser
Holding a Master’s degree in Business and Management from the University of Waikato, Sunny works with first-home buyers, families, and property investors. He takes the time to understand each client’s situation, clearly explains available options, and guides them through the mortgage process from start to finish — simplifying complex bank requirements along the way.
Approachable, professional, and easy to talk to, Sunny is committed to achieving the best possible outcomes while building long-term relationships based on trust, transparency, and genuine care.
Who We Are
Founded on the values of trust, speed, and personal service, Apple Mortgage has helped hundreds of Kiwis into their first homes, investment properties, and commercial ventures.
Our team brings over 10 years of combined experience in banking, non-bank lending, and financial advising. We know the New Zealand mortgage landscape inside and out.
We’re here to help you feel confident with every decision.