Rich McKenzie
Mortgage & KiwiSaver Adviser
Rich helps everyday Kiwis get their mortgages and KiwiSaver sorted - and more importantly, build a clear plan to take control of their debt and set themselves up for a comfortable future.
Whether you already have a mortgage or you’re looking to get one, Rich helps structure it properly and put a plan in place to pay it off sooner. He also reviews KiwiSaver to make sure it’s working as hard as it can - not just ticking along on autopilot.
Hi, I’m Rich.
My wife and I purchased our first property 20 years ago, and we’ve been investing ever since to support our family.
Like most people, I’ve learned a lot along the way - what works, what doesn’t, and how small decisions made early can have a big impact over time.
Before moving into financial planning, I spent my previous life as an account executive in the telecommunications sector. I did well financially, but I reached a point where I wanted my work to feel more meaningful and genuinely help people.
These days, I specialise in mortgages and KiwiSaver, helping everyday Kiwis not just get set up, but put a clear plan in place to reduce debt faster, make smarter decisions, and build long-term financial confidence.
My approach is straightforward and practical. It’s about getting the foundations right and helping people understand their options, so they can make progress in a way that suits their life.
Mortgages
I can help you get a mortgage - whether you’re buying your first home, refinancing, or investing.
But the real value is what happens after that.
I help you set things up in a way that can help you pay your mortgage off sooner, using smart structure and practical cashflow strategies - potentially saving years and hundreds of thousands in interest over time.
When my wife and I bought our first home 20 years ago, our mortgage adviser did more than just arrange the loan. He took the time to set us up with the right structure, cashflow systems, and truly understand what we were trying to achieve.
He also helped connect us with other advisers, such as an investment adviser, insurance adviser, lawyer and accountant. Our team of advisers were all on the same page and everything was aligned and working together.
That experience shaped how I work today.
Now, when I help someone with a mortgage, it’s not just about getting approval. It’s about setting it up properly, helping you understand your options, and putting a clear plan in place to pay it off sooner, and set you up so you’re ready for the next big move you want to make.
KiwiSaver
A quick check of your KiwiSaver can make a big difference over time.
Almost everyone has KiwiSaver, but how do you know if it’s actually working hard for you?
There are 200+ KiwiSaver options out there, and returns and fees can vary a lot.
I help you:
understand what you’re currently in
check if it fits your goals + timeframe
compare options clearly
make a confident decision
A 30-minute check-in is usually all it takes to see if your KiwiSaver’s on track.
Most people don’t need more information.
They need someone to join the dots and say:
“Here’s what you’ve got”
“Here are your options”
“Here’s a simple plan”
“I’ll sort this for you”
That’s the way I work - practical, calm, and straightforward.
Who I work with
First Home Buyers
Understand what you can afford
Get pre-approved and ready
Make KiwiSaver work smarter
Avoid getting trapped in a long mortgage
Feel calm and supported step-by-step
Investors
Structure lending for growth + flexibility
Protect your cashflow
Plan for multiple properties
Get aligned advice with your investment strategy
Access the wider Levridge support team
Simple. Clear. Done with you.
How it works
Step 1 - Quick chat
We’ll understand where you’re at and what you’re aiming for.
Step 2 - Make a plan
If it makes sense, we’ll put a plan together - mortgage structure, cashflow strategy, KiwiSaver check - whatever’s relevant.
Step 3 - Make it happen (and keep moving forward)
The goal isn’t just to set it up. It’s to help you follow through and actually make progress.
Holistic Support
The Levridge Difference
I’m part of the team at Levridge, which means if you need help beyond mortgages and KiwiSaver - you’re not on your own.
If your situation calls for it, we can bring in support around things like insurance, investing, and longer-term planning; so everything stays aligned and joined up.
I actually came to Levridge as a client first. What stood out to me was the holistic approach - everything was looked at together, not in silos. Mortgages, KiwiSaver, investing, and long-term goals were all aligned.
That experience played a big part in why I chose to join the team.
FAQs.
How it works
Do you charge for a chat?
Nope. First chat is just a no-pressure conversation to see if I can help.
What does it cost to work with you?
It costs you nothing. I get paid by the mortgage and KiwiSaver providers I work with - which means there’s no cost to you.
I already have a mortgage - can you still help?
Of course. A lot of people I help are already in a mortgage and just want to know if there’s a better way to structure it or pay it down faster.
I haven’t looked at my KiwiSaver in years…
You’re not alone. That’s super common - and usually worth checking.
Your Mortgage. Your KiwiSaver. One Clear Plan.
Money feels a lot easier when the big stuff is set up properly.
Rich helps bring your mortgage and KiwiSaver together, so they’re working toward the same goal - reducing debt, building security, and setting you up for a more comfortable future.
No guesswork. No overwhelm. Just a clear plan that helps you move forward with confidence.