Matt Isbister 



Matt offers simple financial solutions that puts you and your goals first. While established brokerage and investment styles can often feel transactional, Matt’s friendly approach makes it easy to open up about your plans.

Matt has over 20 years’ experience in finance, including safely navigating his clients through the 1998 and 2008 recessions in New Zealand. He started his career at National Bank, before moving to ASB as a Mortgage Lender, later becoming the National Sales Manager leading a team of Financial Advisers for ANZ. He then moved to the South Island and joined SBS. He moved through management roles to end us as National Manager Mobiles and Alliances.

Matt graduated with a Bachelor of Commerce and Management from Lincoln University in 1997, and gained a Graduate Diploma in Business Studies from Massey University in 2012, with a with an endorsement in Personal Financial Planning. In 2016 he was authorised by the Financial Markets Authority to provide financial advice.

A proud Wellingtonian, Matt now lives in Tauranga in the Bay of Plenty, working with clients from all over New Zealand. Before meeting his wife and having their two lovely daughters, he lived all over the world including Iran, Singapore and New Zealand.
021 414 755

Kylie Chandler 



Kylie is a financial professional with over 10 years of experience both in the banking industry and as a Mortgage Adviser.

Bringing a wealth of knowledge, experience, and a proven record of delivering exceptional customer service.

Kylie is committed to putting you first to make sure the journey to buying your first home or second home, refinance, or top-up is as smooth and seamless as possible. She is also able to assist you with your business funding needs and personal loan requirements.

Kylie prides herself on walking alongside her clients from the beginning of the process to the end and beyond. She is able to anticipate questions, deliver solutions and provide assurance that you are in dedicated and capable hands. Kylie believes that you deserve complete support, including access to trusted property professionals, including, Property Lawyers or Conveyancers, Real Estate Agents, Insurance Advisors, and Builders.

Kylie is available to work with people right across New Zealand thanks to video technology. If you are local to Wellington, she is readily available to meet with you at your home, workplace, or local cafe.
027 251 6128



Ray Kwan 



With over 17 years experience in the financial industry, including 14-years of banking experience and many years as business manager at one of New Zealand's top banks, Ray has a deep-rooted passion for assisting individuals and local businesses in achieving their financial aspirations. During his time in the banking sector, Ray found immense satisfaction in guiding first-time homebuyers towards the keys to their dream homes and fostering the growth and prosperity of local businesses.

As a Financial Advisor, Rays unwavering commitment is to empower his clients to reach their financial objectives. Leveraging his extensive background in banking, he's well-equipped to help you realize your financial goals. Whether it's securing a residential mortgage or facilitating business lending solutions, Ray's expertise spans a wide spectrum of financial services.

Ray, a Wellington local, is open to engaging in conversations with people from all walks of life and various locations thanks to the convenience of technology. You can connect with Ray regardless of your geographical location.

Outside his professional life, Ray cherishes spending quality time with his young family and exploring the great outdoors together.
021 578 442

Janet Isbister 



Janet steps into AndCo Mortgages with a focus on our customer’s and on compliance. She has been referred to as the “back end of the business”, but with a human touch, keeping our customer’s happy and the business compliant.

She comes from a role leading a high performing team of branch staff at the TSB in Tauranga. She loves working closely with customers, taking time to get to know them, working through options, and helping them to achieve their goals. There’s no one that cares more about people than Janet.

Janet has had a varied career. Graduating from University of Auckland with a Bachelor of Arts, majoring in English and Anthropology, she then went to Japan to teach English. Studying anthropology helped her to gain a greater understanding of why people do the things they do. This has been invaluable when leading people, running a business and working with customers. She has over 10 years finance experience, working both in residential and business banking.

Outside of work, Janet loves spending time with her family and friends. Sport and exercise have always been a big part of Janet’s life. She has recently taken up mountain biking and is learning to surf. She also enjoys traveling and the odd glass of wine.
0800 472 478