Violet Xue

Mortgage & Investment Lending Specialist
Redbud Finance
Auckland | Serving clients across New Zealand

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.

Case Studies

First Home Buyer (Low Deposit)
Reduced upfront cost
✔ Secured approval with a 10% deposit, including cashback support to reduce upfront costsBorrowing Power Increase
Optimised lending strategy
✔ Increased borrowing capacity from $900k to $1.1m for the same borrower, without any change in income, by optimising lender selection and loan structureInvestment / Complex Case
Unlocked future investment funding
✔ Structured a $3m+ portfolio refinance across residential and commercial lending, securing a $500k revolving facility for future investment

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.