What Our Customers Say About Us


“They did everything, I inherited a Family run business, which was in trouble and a mess. They sorted the bills, refinanced, cleaned it up and now it’s sold for top dollar. They changed my life, amazing and I would have been lost if I hadn’t had their help!”

Rose – Northland

“Hi team, may I recommend you on your patience and help, on getting me my first home. I had soooo much bad debt, and bad habits, you turned my life around just by helping me with my debt consolidation, that I was finally able to get a home loan and now, I will live happily ever after. Yes it took a couple of years, yes we did it!”

Cillia – Manawatu

“Sure, I would be pleased to recommend you to anyone who needed to get a loan, you helped my business sort out it’s tax bills, then helped me with a personal debt consolidation loan. I look forward to ringing you when my KiwiSaver is good enough to get into the housing market.”

David – Auckland

“Carol is a wonderful person to deal with, she gets the best deal for anything you may need, unlike other places where you are just a number if you are looking to refinance, I would highly recommend Carol and her team 100% thanks for everything you have done for me.”

Thanks Dana – Auckland


“The service provided by Carol at APM Finance was fantastic. Carol took all the stress out of finding the right home loan for our needs. This saved us a lot of time and effort, allowing us to find the perfect home within our budget. Also, Carol’s wealth knowledge in the industry gave connections to property valuers and insurers which was an added perk as it made the process of getting our new home even simpler.”

Anna-Lee & Lucy- North Auckland

“Yes, your guys were great. We put the relocatable on with your simple construction loan, and your spreadsheet of helpful hints, what could have been a nightmare – has been a total blessing!”

Christine – Wellsford

“Happy to recommend your team, I now have my first home!”

Joan – Christchurch

“Thanks Carol, I sold in Auckland and have happily retired in Tauranga in a wonderful neighbourhood. It was a bit tricky, but we got there in the end!”

Sarah – Tauranga

“Toot Toot, we got our LOAN – Yay and thank you!”

Toni – Dunedin


“Thanks for your persistence and insistence on me straightening out my spending, budgeting only weekly shops, no more junk food except for special occasions, so that after my debt consol, we could save and get the deposit together for my home. Yes it took me two years to pay off the debt console then another few years to get over the bank defaults, and I wouldn’t have been able to get it done with out your guidance.”

Ben – Oamaru

“Totally happy with your services. You have saved me soo much stress after my illness, too young to retire, but broke. Your debt consolidation has saved me heaps in interest, and messy bills are now a thing of the past. Thank God!”

Steph – Waikato

“We were issued a PLA Notice, for those that don’t know what that is, it means our bank was withdrawing it’s funding on our mortgage. My partner had had an accident, and became a drug dependant pain in my backside- but sickness and health right? Well these guys sorted out our bad debts, and with in ten days they sorted out the tricky complicated mess we had gotten ourselves in, and everything was resolved to our favour, we kept the home, and have straightened up our debt, gone with another funder and been scared straight! Don’t ignore your repayments people.”

J and D – North Island

“I bought a car on finance at a great rate with these guys, they got me mechanical insurance and sickness insurance, I just signed and drove the car ,  Well soon I had an accident , and the  GAP & Car Insurance organised by APM paid for, Totally recommend these guys, they care and they got me out of several problems over the years!”

Karen – Auckland


“I returned from Australia, I am over 65, the banks didn’t want to know me, I purchased a business and used up my capital, but still I was stuck for money. I got hold of Carol at APM Finance and she got me a loan/mortgage that suited my needs.

Plus intermittent top ups as required.”

Garry – Southland

“The guys at APM Finance got me a loan to get a car many moons ago, since then I have changed vehicles, purchased more things, and always get greeted with a smile, great help and obliging people.”

Lance – Auckland

“I am a beneficiary who struggles to get work where I live, but this team still treat me with respect and help me with my finances, purchasing cars over the years and debt consolidation. Totally recommend.”

Susy – West Coast


“I am a Beneficiary, with a mortgage, small but none the less it might as well be a million dollars!

I needed to do work on my little piece of Paradise, in the middle of nowhere , APM Finance got the monies for me smoothly , no dramas – love it!”

Francesca- South Island

“My husband and I have used Carol and Kakapo for two really important occasions. She was absolutely fast, efficient and friendly. She constantly kept us informed of the process so we never had to guess and we were more than pleased with the result! We got what we wanted and more!!

We recommend Carol and Kakapo to anyone who is looking for the extra care, attention, efficiency and know when she is on the case your lending and insurances are in the best hands possible! We have recommended her too friends and we all sing Carols praises!!

She is the right lady for your financial needs.”

Raymon and Theresa

Why APM Finance? Because we care

We get there with you in mind

APM Finance is owned by Kakapo Consultants and has been providing personal loans online since the early 2000’s.

Whether you need to buy a house, new car, refinance, pay off some bills, or go on a well-deserved holiday, APM Finance will find a suitable and affordable solution in order to meet your financial goals.

We are a friendly team who understand that at times can be tough and you need a little help refinancing your life. With APM Finance, you can rest assured, your financial needs will be dealt to as quickly and easily as possible.

APM Finance offers a wide range of lending options tailored to suit your needs.

Mortgage, Finance & Loan Specialist

Personal Finance

Tailored Personal Finance & Loan Solutions

Mortgage Brokers

We Help You Buy Dreams

Bad Credit Home Loan

Range of Lending Options

First Home Buyers

Hands-On Assistance

Low Doc Loans

Expert Mortgage Advisors

Non Bank Home Loans

Bad Credit Home Loans

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We are a NZ Government Registered Financial Service Provider. We are also a Certified Member of Financial Services Complaints Limited (FSCL) who are an Independent Government Registered Financial Disputes body. FSCL can be contacted by emailing [email protected]