Welcome to Ginkgo Financial Services

Ginkgo Financial Services has been incorporated in 2012 with a view of providing professional Insurance and mortgage services with customers. Our business servicing across Auckland, Hamilton etc.

Since founded, we have built strong relationships with all major banks, non-banks, specialist lenders & insurance companies in New Zealand. More than that, we provide customer-first solutions from start to finish. We are always there, and you will never be lost in the whole process.
The founder, Joyce He, is a senior registered financial adviser and member of FANZ. Joyce ha
s over 10 years’ experience in financial services and has been always tailoring solutions and strategies that work the best for the clients. She is proficient in Chinese, Cantonese, and English.

Banks, insurance companies, they all claim to provide a personal service. While we will connect with you in a meaningful way. Our clients are typically wage & salary earners & self-employed. Meet with you; negotiate with you; build strengthening connection and trust with you; get the best options for you. A personal touch of the financial advice, expert in lending and insurance.

Besides, Ginkgo Financial Services also holds free WeChat seminar every month on the third Thursday at 8 p.m., and free seasonal events and seminar, sharing our knowledge and experience in mortgage and insurance industry.

Please feel free to contact and join our big family!

Our Service

Your future, your lifestyle, your family are the most important things in your life. That’s why you need insurance taken in place to protect them for you. Choose Ginkgo as your insurance adviser, we will provide you a lifetime quality service. We do insurance structure plan, help you through all application process, all the claim issues and annually policy review. We will always be here in time when you need us support.

Insurance

Life Insurance – protect future of your family members or those you loved most

Life insurance is one of the most important types of insurance to protect your family members or those who you loved the most. Life cover providing them with a lump sum payment if you pass away due to accident or illness or are diagnosed with a terminal illness. It helps your family pay costs that you would have helped with if you were still alive.

Trauma Insurance - supports you and your family during recovering period

Recovering from a serious illness, medical procedure or injury always takes time and cause serious financial hardship to ourselves or a family member. Trauma insurance can pays you a lump sum to help you during this time, likes extra financial support such like taking care of rehabilitation costs, pay off your mortgage, covering living cost, and so on. It helps you pace of your mind during whole recovering period.

Income or mortgage protection cover – Provides cash flow if you are unable to work

Your most valuable asset is your ability to earn. That’s why you need income or mortgage protection cover to help you to prevent that if you face an illness or injury that unable to work either temporarily or permanently. It provides you with a monthly payment to cover your ongoing financial cost.

Total Permanent Disability Insurance - Protect your future if you totally permanently disabled and unable to work

In reality, future always uncertain, if we become serious illness or had badly accident, we might not be able to work again. TPD insurance provides a lump-sum payment which you can used pay off your mortgage, modifications to your house, other bills, so you can start your new world easily.

Medical Insurance – cover your medical costs, provides faster and best medical care

Even we have free public health system or ACC in New Zealand takes care of us, but resources limitation always let us face delayed treatment or thousands costs. Medical insurance helps us removes all these worries away, by covers medical bills, accesses faster and best medical care, so you can getting better treatment in short time and start recovery sooner.

Unlock nib exclusive Ultimate offer

Get many pre-existing conditions covered after 3 years on Ultimate Health Max and Ultimate Heath by sign up application before 30 September 2020. Plus the chance to win one of ten a fantastic travel prize.

Loan

Why choose Ginkgo to sort your home loan?

Expert in lending area.
Competitive mortgage rates.
Tailed mortgage options for you.
Professional financial advice to give you peace of mind throughout your lifetime; we are here to help you work out how to make most of it, from the recent 3-5 years till your retirement planning.
We are paid commission from the bank, not from you.

First home buyers

With the low interest rates, first home buyers are in good buying position to seek the affordable homes. Buying the first home is probably the biggest financial decision you will make, we are here to provide personalised support for your, and your family.

Investment home buyers

Property represents a potential and reliable investment when there are favourable interest rates, we provide one on one personalised service, tailored to your requirements. We will help you to use equity to buy, secure financing with the lowest rates possible, and structure your mortgage

Refinance/restructure your loans

If you are seeking to refinance to get a better rate, consolidate debt, renovate or free up some equity, If the existing mortgage is not competitive compared to other lenders, we provide ongoing advice for your mortgage with fixed rate rollovers

Construction loans

Building a house is time-consuming and often stressful. We will be there to ensure there is enough money available for the unexpected and provide loan service until your home is finished.

Personal loans

If you plan to take a dream holiday, buy a new vehicle, pay for the education, or even plan your wedding. Personal loans are a good way to get the things you want sooner. Personal loans can also be used for consolidating debts etc. Whatever you are dreamed of, we will help you get there.