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About Us

About us

A Trusted Financial Advisory Firm in New Zealand

Welcome to LifeCycle Financial — your trusted financial advisory partner in New Zealand with over 20 years of experience. We provide clear, practical financial advice across mortgages and insurance, always placing your needs and long-term financial goals at the centre of every recommendation.

Our approach is simple: understand your situation first, then structure solutions that genuinely support your future.

Our Areas of Expertise

Mortgage Solutions (Residential & Commercial)

Whether you're buying your first home, refinancing an existing loan, or investing in property, we help you secure lending that works for your situation.

Through established relationships with a wide range of New Zealand banks and lenders, we are able to compare options and find competitive mortgage solutions suited to your income, lifestyle, and long-term financial plans.

Our mortgage advice covers:

  • First Home Buyers
  • Property Investors
  • Refinancing & Debt Restructuring
  • Construction & Development Lending
  • Commercial Property Finance

Personal Insurance

Financial protection is an essential part of long-term financial security.

We provide clear, tailored advice across a full range of personal insurance solutions including:

  • Life Insurance
  • Trauma Cover
  • Total & Permanent Disability (TPD)
  • Income Protection
  • Mortgage Repayment Cover
  • Medical Insurance
  • Group Insurance

Your cover is structured around your income, responsibilities, and financial commitments, ensuring that if unexpected circumstances arise, you and your family remain financially protected.

General Insurance

In addition to personal insurance and mortgages, you can also access General Insurance for your:

  • Home
  • Contents
  • Vehicle
  • Business

This is arranged through our trusted network of specialist partners, ensuring you receive reliable cover and professional support when it matters most.

Strong Industry Relationships

LifeCycle Financial maintains strong relationships with New Zealand's leading banks, private lenders, and insurance providers. These partnerships allow us to secure competitive interest rates and insurance premiums, without compromising on the quality of advice or the level of protection recommended.

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Financial Advice Structured Around You

LifeCycle Financial operates as a non-aligned advisory firm. This means you are not restricted to a single lender or insurer. Instead, we carefully compare multiple options across the market before making any recommendation. Our advice is based on what best suits your needs and long-term plans — not on sales targets or provider preferences.

Our Mortgage Experts

Our experienced team of mortgage and insurance specialists provides a seamless, one-stop solution for all your personal and business financial needs. Whether you’re protecting your income, buying your first home, or securing your business assets, we’re here to support you every step of the way.
lifecyclefinancial.co.nzHarpeet Singh Rattan

Financial Adviser

021408971
lifecyclefinancial.co.nzRajwinder Rattan

Financial Adviser

021707246

Why Lifecycle Financial?

  • One Trusted Point of Contact : We act as a single point of contact for all your lending and financial protection needs. By working with major banks and leading insurance providers across New Zealand, we give you access to a wide range of mortgage and personal insurance solutions—including life, health, trauma, income protection, and more.
  • Experienced Advisors You Can Rely On : Our team of highly experienced advisors brings a proven track record in the financial services industry. We focus on building long-term relationships and delivering advice you can genuinely rely on.
  • Client-First Advice That Puts You First :At the heart of everything we do is a strong commitment to client-first service. We make sure that when it matters most, you receive the protection and support you’ve paid for—helping you maintain financial security and the lifestyle you’ve worked hard to build.