John Schumacher

Loan Market Mortgage Adviser servicing Kingsland, Western Springs, Mt Albert and surrounding suburbs

About John Schumacher

Do you want to take the stress out of arranging home finance? Then you've come to the right place.

With well over 30 years in the banking and finance sector, you can be confident that you will receive the right advice and service for your home loan. Most clients I meet really want a guiding hand and expert help with their finances. They want to know what the pitfalls are with negotiating on a property or attending an auction. They want to be advised on how to structure their loans to suit their unique situation and obtain a competitive package from a lender who appreciates their business. Once they are on the ladder they want help to pay off their loans faster and also ongoing advice to address their personal Insurance needs.

What are the benefits of using a mortgage adviser?

First Home Buyers

Buying your first home is an exciting experience, but can feel overwhelming with so many aspects of the purchase that need to be dealt with and a roller-coaster of emotions bidding on properties at auctions. Having a trusted adviser on your side to guide you through relieves a lot of the stress.


Getting pre-approved for a home loan is a good way to start the process of buying a home and will save you lots of time further down the track. Get a pre- approval well before you start looking at houses, so you have a clear understanding of what you can borrow, and what you can comfortably afford.

Make sure your budget includes everything so that the end result fits nicely into your lifestyle. It will give you a clearer picture of what you can and can't do.


Refinancing your current home loan can be very beneficial in helping you save money if used in the right circumstances. It can also be used to access existing equity in your home to fund renovations and investments or to consolidate debt. However refinancing can incur costs. As your mortgage Adviser, I can help make sense of the figures to determine the long term benefits against the actual costs of refinancing such as lawyer’s fees and break costs so there are no financial surprises.

Debt Consolidation

Consolidating your short term debts with your home loan can be a great tool to help you manage your finances better and reduce your repayments at the same time. Offering your house as security for a lender ensures the best interest rates, thereby lowering your costs. It also means just managing one payment rather than several. While beneficial, it's not always possible so let me check if this is a good option for your situation.

Life Insurances

Clients tend to focus most of their attention on the type of house they can afford, suburbs, schools, interest rates and repayments. Unfortunately they forget to even think about financial risk should something go wrong with their health. As a one stop shop I encourage clients to understand that risk protection is an essential element of a home purchase and to set up Life insurances to protect their debt, income and health.

Auckland Customers

Auckland’s central city ring is the geographic area where I visit most of my clients. This includes the city centre, Herne Bay, Westmere, Point Chevalier, Mt Albert, Mt Eden, Ellerslie, Morningside, Western Springs, Kingsland, Avondale, Waterview, New Lynn and Te Atatu.

Client Testimonials

"I really appreciated your service in arranging the home finance - it was the first time I've used a broker and you made the experience a lot easier and hassle free than it may otherwise have been. I will definitely recommend your services to friends".

Patrick - North Shore

"I can't recommend John enough. He's looked after three house purchases for me over the years, as well as insurance needs. Without him I wouldn't even have got my first mortgage! John is fantastic to deal with and I really trust that he has my best interests at heart".

Juliet - Waterview.

"When I purchased my first home I knew nothing about finance or buying a house for that matter and John came to the rescue. He not only arranged my finance but guided me on the process and legalities of purchasing. He was professional, knowledgeable and available. I feel he went way beyond his call of duty and put up with numerous phone calls from me asking inane questions. I would have no hesitation in recommending his outstanding service to anyone considering financial guidance".

E Richards - Point Chevalier

"What has set John apart for me is that I have been able to achieve a dream I thought impossible. After a major change in circumstances I have been able to build a future here. I am very grateful to him and his financial wisdom".

Rosalind - Torbay

"We have been impressed with John's personal commitment in finding finance options and insurance that suited us. He has been genuine and honest at all times and provided helpful advice in areas we were unfamiliar with. We would be happy to recommend John to our family and friends".

James and Kristina – Mt Roskill