Andrew Smillie

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@blackfishfinance

@transalta

Andrew Smillie is the founder of Personalised Mortgages and has spent more than 30 years helping New Zealanders achieve their property and financial goals. Known for his straightforward advice and ability to navigate complex lending scenarios, Andrew works with first home buyers, property

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Adviser and Owner

investors, business owners and families looking to secure the right finance solution. His extensive lending expertise enables him to structure applications effectively, identify opportunities and achieve outcomes that align with his clients’ short- and long-term objectives. Andrew believes great mortgage advice goes beyond securing finance. He takes the time to understand each client’s circumstances, goals and future plans, providing clear guidance and tailored recommendations throughout the lending journey. Since establishing Personalised Mortgages in 2014, Andrew has built a reputation for exceptional service, honest advice and consistently positive client outcomes. His commitment to putting clients first, combined with his deep industry knowledge and problem-solving approach, has earned the trust of clients across New Zealand, leading to many long-standing relationships and referrals. Whether you're buying your first home, growing a property portfolio or exploring your next financial opportunity, Andrew is passionate about helping you move forward with confidence.

@blackfishfinance

EXCELLENCE AWARDEE: Pepper Money Adviser of the Year – Residential

Milestones 2000–2008 2008–2014 2014–2026

Property Finance Manager, Marac Finance Area Manager, Westpac Bank Owner and Adviser, Personalised Mortgages

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