Our Story

Meta Financial Solutions was founded by Mike Willoughby after he saw a need for better and earlier financial planning for young families, first time investors and small business owners in NZ.

After graduating top of class in Business Management from AUT, Mike ran operations for a large corporate before deciding he’d better put his money where his mouth is and turn his passion into a career – helping others achieve greater financial success and security (after all, he had a young family of his own to plan for!).

There’s no time like the present! Let’s book a time to meet and get things working for the future you.

Our 4-step Process


We’ll listen to your hopes, dreams and aspirations and you’ll get to know us a bit better too. After all, every journey starts with a conversation.


The fun bit! We’ll assess your appetite for risk and work with you to create a tailor-made plan that empowers you to achieve your financial goals – fast!


Let’s make it happen. Together we’ll carve out a clear path to financial growth and stand alongside you every step of the way.


A vital step. We’ll check-in and reconnect with each other regularly to see how things are going and whether circumstances have changed. We’ll be there for you whenever you need us.

Our Partners

As registered financial advisors, we are part of an extensive network of financial service professionals here in NZ.  These include all the banks, multiple non-bank lenders, finance companies, top insurance companies and specialist asset lenders. We are independent, impartial and objective in seeking the best financial solutions for you.

We only provide financial advice about products from certain providers:

  • For mortgages, we work with AIA home loans, ASB, ANZ, BNZ, Westpac, Resimac, Bluestone, Pepper money, Avanti & Liberty Finance and other lenders and Finance Companies that may fit your needs that will be disclosed
  • For life insurance, we work with-AIA, Asteron, Partners Life, Fidelity Life & Cigna
  • For health insurance, we work with three providers – NIB, AIA Health & Partners Life Health
  • For KiwiSaver and investment products, we provide advice from Booster, Generate & NZ Funds
  • For asset finance we work with Oxford Finance

Some sellers may choose to sell their property privately without a real estate agent. If you are interested in a property that is being sold privately,

Some sellers may choose to sell their property privately without a real estate agent. If you are interested in a property that is being sold privately,

A Non-Bank lender, previously referred to as a 'Second Tier Lender', is an organisation you can borrow money from for a home loan, business purchase or cashflow reasons, construction or property development, debt repayment or finance of an asset.

When you are looking to buy a house there are two separate “deposits” that get discussed.

There is the deposit that you pay to the real estate agent (the purchase deposit) and there is the amount you need so the bank will lend you the rest of the purchase price (the equity deposit) to ensure the lender does not have too higher exposure against the property.

Meta Financial presents top tips for your investment property in New Zealand. Here is expert advice on ways to navigate property investment. TIP #1: Claiming all expenses, even the little ones, accumulate over time and can add up to a significant sum of money.

Saving to buy your first home? These days, how you save is just as important as how much you save. You need to be smarter, innovative, and take advantage of all the options available to you. Here’s something else you need - the smartest financial planning in NZ. And that’s where we come in.

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This calculator is intended as a guide only and is based on the Residential Owner Occupied rate. It is not intended to provide advice, and is not a quote or an offer of finance by any lender.