Violet Xue

Financial Advisor - Redbud Finance
Auckland | Serving clients across New Zealand

Prefer to chat first?
🟢 WeChat: violet_6688 | 📞 022 492 8268

Helping clients across New Zealand structure and secure the right lending solutions - whether you're buying your first home, growing your investment portfolio, or funding a development project.With over 10 years’ experience across commercial and property finance — including managing client portfolios at BNZ and exposure to large-scale lending at MaxCap — I bring a strong understanding of how deals are structured and approved.From home loans to more complex lending scenarios, I provide clear guidance and end-to-end support every step of the way.

How Can I Help

  • Maximise your borrowing capacity

  • Structure your lending correctly

  • First home buyer support

  • Multi-property investor & commercial lending

Not all lenders assess income the same way.
The right structure and lender choice can significantly increase your borrowing power.We work with major banks including ANZ, ASB, BNZ, Westpac, Kiwibank as well as a wide range of non-bank and specialist lenders.
You will gain access to 30+ lenders across residential, investment and development finance.

Real Results for Clients

First Home Buyer (Low Deposit)
Only 10% Deposit – Still ApprovedClient had limited savings
Secured loan approval with just 10% deposit
Included cashback support to reduce upfront costs👉 Result: Entered the property market sooner with lower cash burdenBorrowing Power Increase+$200,000 Borrowing Capacity (Same Income)Original borrowing limit: $900k
Restructured lender + loan strategy
Increased capacity to $1.1M👉 Result: Client could purchase a significantly better propertyInvestment / Complex Case$3M+ Portfolio StructuredRefinance across residential + commercial lending
Structured portfolio for scalability
Secured $500k revolving facility👉 Result: Client now positioned for future investments

Compliance & Disclosure

Redbud Finance Limited is a licensed Financial Advice Provider (FAP) in New Zealand.
Financial Services Provider Number: FSP1003468We provide financial advice in relation to lending and work with a panel of lenders. We may receive commissions from lenders when loans are settled.Full disclosure information is available upon request.