Qualifications
I am a registered financial advisor.
Meet your advisor
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Malini Sivananthan is an accredited financial advisor and the person behind Home Loan Advocate NZ Ltd. Based in Auckland, she brings more than 20 years of finance experience to helping clients make clear, secure decisions.
A client-first point of view
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Malini works hard to help clients find the best possible deal, drawing on more than two decades in financial advice and relationships across the lending field. Originally from Sri Lanka, she moved to Auckland in 1995 and now brings that local perspective to every conversation.
- More than 20 years in financial advice
- Support for first homes, refinancing and business lending
- A personal, privacy-conscious process
Important information
What we do
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Malini has provided lending advice and support to hundreds of customers. She works with major banks and non-bank lenders, helping clients find an option that suits their needs.
Contact Malini via the online form or call +64 21 0286 0002 to find out how she can help you get onto the property ladder.
I work with all major banks and non-bank lenders and I can help if you are a:
First time home buyerBuyer with bad credit historyBuyer with no depositBuyer with low deposit
Find your best next step 
Your home is likely to be the biggest purchase of your life, and a mortgage (also called a home loan) your biggest financial commitment.
Choosing the right home loan and repaying it quickly can save you thousands of dollars. It can also free you up to achieve other goals faster. This is where, as a broker, I can help you achieve your goal. As I deal with a number of lenders, I can save you the time shopping around and get you the best deal in the market to suit your needs.
The benefit of working as an independent broker is that it allows me to find the absolute best mortgage solution, regardless of which bank is the provider, to meet the specific needs of each of my clients.
Today's mortgage market is complex with many different choices, but I know the market inside out so I will make the entire mortgage process easy for you. I will take the stress out of your hands and handle everything fast while ensuring your privacy.
I am committed to progress. It is important for me to deliver results so you can relax and enjoy your home without any worries.
Clear from the outset
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Your home is likely to be your biggest purchase and your mortgage a major financial commitment. The right advice can make the path clearer and help you move forward with confidence.
Accessibility
I am just a call away. Feel free to send me a message or call me at any time.
No charge
There is no charge for Home Loan Advocate services. Remuneration is paid by the lending institution for negotiating your mortgage.
Brokerage role
As a broker my task is to find you the best deal from a variety of banks and other lending institutions, while keeping their criteria and interests in mind.
Tailor-made solutions
Every borrower and every situation is different. With my experience I can research, design and negotiate a mortgage that specifically matches your requirements.
No sales talk
As your Home Loan Advocate, I represent no one other than you. My ultimate goal is to develop a lasting relationship by continuing to provide excellent service.
A depth of understanding
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Malini's career has moved from customer service and personal banking into home lending, mortgage advice and independent financial advice. That journey matters because it has given her a grounded view of how lending decisions are made—and how those decisions can affect a family, a home, or a business.
Her time working within major-bank lending gave her strong knowledge of the process, while her work with both bank and non-bank lenders has widened the choices she can explore with clients. She knows that an application is never just paperwork; it is usually connected to a much bigger plan.
At Home Loan Advocate, Malini uses that experience in a straightforward, personal way. She listens first, explains the options in plain language and stays alongside her clients as they decide what feels right for their circumstances.
Client stories
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Real feedback from people who trusted Malini with an important financial decision.