Annie Tsai

Managing Director (常务董事)

02 134 1213
annie@topm.co.nz

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Trusted Home Loan & Insurance Broker

TOP MORTGAGE

We deal with multiple banks and negotiate the best possible interest rates and cash contribution to save you time shopping around. We provide you with a fast and efficient turnaround in approval to ensure you meet the deadlines especially in a competitive housing market. We provide ongoing support over the term of your mortgage with free annual review, we also look after your mortgage on maturity to save your time. We look after your Family, your Business whether it is the home loan, business or commercial loan, construction loan, restructuring or refinancing existing loans or debt consolidation to help you to achieve your financial goals.
What we offer

Services

Insurance

Life is always changing, and so should your insurance. If it’s been a while since you last reviewed your insurance， we are always here to help you review your life cover, and it is a free service. Make sure your loved ones are covered.

Life insurance is just one way we can help you protect against life’s twists and turns. From income protection to life insurance, we’ve got a range of options available.

Mortgage

Whether you’re a first home buyer, working your way up the property ladder, or are an experienced property investor looking to refinance or add to your portfolio, nobody wants to be paying a mortgage longer than necessary. Our financial advisers can help!

About Top Mortgage

About Us

We are the expert in the Industry!! Come talk to us, we will help you to reach your Financial goals.

Our team collectively has more than 35 years’ combined experience in lending, banking and property market.

Whether you’re a first home buyer, working your way up the property ladder, or are an experienced property investor looking to refinance or add investment to your portfolio, nobody wants to  be paying a mortgage longer than necessary. Our financial advisers can help, and in most cases it’s totally free!

Contact Us
Who are we

Our Team

Annie Tsai
Managing Director
annie@topm.co.nz
021 341213

Annie is a highly experienced professional with 20 years of expertise in the banking and lending industry. Throughout her career, she has worked with some of the largest banks in New Zealand and has gained extensive knowledge in Residential, Commercial, and Property Development loans. Annie has established strong relationships and a good reputation with Banks and Second-tier lenders, which allows her to secure the most favorable terms and pricing for her clients. She is passionate about assisting clients with all types of lending needs and is always willing to help. Additionally, as an Insurance Advisor, Annie can also provide you with risk insurance that will protect you and your loved ones.

Annie can speak fluent Mandarin, English and Cantonese.

Tao Zhang
Financial adviser – Mortgage
tao@topm.co.nz
021 666016

Tao is an experienced lender who worked in two major banks as a mobile mortgage manager for over 12 years in New Zealand. As a top performer, he has gained extensive knowledge and experience in both business and retail mortgage lending. Tao has successfully helped many clients with their homes and investment properties. His expertise and passion for delivering excellent customer service enable him to provide the best solutions for his clients so they can make suitable choices to achieve their goals. As well as the full range of trading banks Tao also works with other funding lines to secure more difficult proposals for clients with more challenging requirements.

Tao can speak fluent Mandarin and English.

Ivy Lei
Financial adviser – Mortgage
ivy@topm.co.nz
021 2581412

Ivy graduated from Beijing Forestry University and immigrated to New Zealand with Family over seven years, she have two little cute kids and cooks delicious food. Ivy have been in the industry for more than eight years; she is able to walk you through the process and place your application with a provider that best fits your needs. If you are considering purchasing your first home, an investment property, refinance or even re-fixing your existing home loan or simply don’t know where to start with some lending advice, feel free to contact Ivy and she is more than happy to assist!

Ivy can speak fluent Mandarin and English.

Justeel Shen
Financial Adviser – Mortgage
justeel@topm.co.nz
021 2166911

Justeel immigrated to NZ over two decades and his career in finance began in 2007.
Within 18 months he went from handling enquiries at major bank front counter to managing a large portfolio of high-value home loan clients.
In 2010 Justeel won the Bank CEO recognition program and awarded trip to Hawaii, he was one of the 29 people in New Zealand and was the only Asian winner.
In 2011 Justeel became Bank Mobile Mortgage Manager and been promoted as Senior Mobile Mortgage Manager in 2016 until now he left the corporate world to become an independent financial adviser part of Top Mortgage Group.
With over 15 years lending experiences, he offers proven solutions for a vast range of borrowers from first home buyers, through commercial and expert investors. And as a career banker, Justeel is passionate to walk through client’s home buying journey and helping local communities and businesses thrive.
When he’s not helping people to achieve their financial goals, Justeel is either spending quality time with his wife and 2 children and their dog, or in his leisure moment to playing pool and basketball or listening to the music.

Justeel can speak fluent Mandarin and English.

Cherie Tang
Financial adviser – Mortgage
cherie@topm.co.nz
021 1267807

Cherie accomplished her master’s degree in Professional Accountancy and Finance from Massey University in 2016. She has 4 years’ working experience in the finance department of a NZ leading labour hire company in the construction Industry.

Cherie is also a mom of two boys, one is studying at Pinehurst School, the other one is still in the kindergarten. Cherie is considerate, warm-hearted and detail focused. She has a passion for helping clients to achieve their goals in both residential and investment scope and providing support that fits their needs.

Cherie can speak fluent Mandarin and English.

Winnie Qu
Financial Adviser - Mortgage
winnie@topm.co.nz
022 4083663

Winnie graduated from Media Design School of New Zealand with Bachelor Degree. After graduating from University, she worked as graphic designer at PJ International. Later she chose back to China to study the financial industry, interned at Taikang Insurance Group and obtained HWP Certificate, she also got an internship in the data department of Apple Corporation in Beijing. Winnie is outgoing and conscious. She is very good at listening and has a strong ability to communicate with customers. she is good at focusing on the key details of guests, planning and giving help. She hopes to help you complete the loan efficiently within her maximum scope.

Winnie can speak fluent Mandarin and English.

Andy Chen
Financial Adviser – Insurance
andy@topm.co.nz
027 8391075

Andy is a very experienced insurance adviser with 10 years of experience; has been Million Dollar Round Table member since 2017, and achieved the “Court of the Table” member along the way;

Experienced claim consultant with 11 years of experience; has been the very first contact of the clients when they needed the most, and assisting from every move of the claim to bring piece of mind.

Andy is an expert in making tailored plan to bring balance between premium and benefit, taking into account consideration of cost living and complexity of every one’s situation.

Andy can speak fluent Mandarin and English.

Shani Zhu
Business Development Manager
shani@topm.co.nz
021 336903

Shani Zhu was born in Beijing. She came to New Zealand in 2006 to study in high school, and after graduate from university in 2011, Shani chose to return to China to work as a paralegal at a law firm in Beijing, China. In her spare time, Shani loves yoga, having studied Iyengar Yoga with an Indian tutor for many years, and in 2017 Shani quit her job at the Beijing law firm and returned to New Zealand to start her own YOUNG Institute yoga brand as the founder and teaching director.

Shani herself is warm and friendly, she likes to try new things and challenges, works seriously and responsibly, usually treats things with unlimited possibilities in a positive state, and achieves a delicate, focused and bold work attitude.

Shani can speak fluent Mandarin and English.

What Clients Have to Say

Testimonials

When we were looking for a mortgage broker for another property, a friend introduced us to Annie Tsai. This was our first time to work with Annie Tsai as our mortgage broker. We were pleased that we were introduced to her, as she delivered us amazing result. The process was seamless, she communicated all the information and guided us through the complicated process, making it really easy for us. Not only that; she went beyond, and showed us options that we didn’t think of possible. Her quick response and professionalism have impressed us the most, we would definitely recommend her to our friends and family.
Ren and Kuo-Wei
Annie是我最好的搭档，她拥有极强的金融专业知识和业务沟通能力，了解贷款市场咨询，可以及时的帮助我的客人在短时间内拿到贷款，买到心仪的房子，我是一个房产中介，这对我来说也是极大的帮助。客人交给她，让我放心。负责，诚信，靠谱是我对她的评价，值得推荐。
Cindy
Annie has been absolutely amazing, she listens to us needs, helped us to archive our dream house. Her professional service and manner with her knowledge that we have never ever deal with anyone like her, she always on our side fighting best deal for us. She is highly recommended!!!
Janice
The whole process was so simple and I had to do very little except provide her with the necessary paperwork. She organized absolutely everything for me, as well as introduce me a good lawyer. Really Appreciated her work, Thank you for much!
Maggie
Thanks Annie for getting us an even better rate than the bank offered us, helping us explore our options for fixing periods and the best way to go forwards to be mortgage free quicker. Great communication, great service I would highly recommend giving Annie a call if your home loan is up for renewal.
Andrew
The level of expertise and service provided by Annie has made buying my first investment property relatively easy. I’ve recommended you to all my family and friends. Love to deal with Annie!
Tina

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