We are a team of financial advisers with a mission to empower people with quality financial advice, so they can make informed financial decisions, and create a life where they’re not limited by their mortgages.
We’re more than just mortgage brokers.
Our Story
In 2017, Eugene founded Twine Financial Advisers with the aim to empower families with quality financial advice and make a significant impact on their finances. Mortgages are a significant financial commitment for most families, and Eugene recognized its potential to shape their financial futures. However, the lack of advice on how to effectively manage their mortgage leaves many New Zealanders struggling to repay their mortgages or failing to seize the investment opportunities that are in front of them.
At Twine, we believe that mortgages are a valuable tool that requires strategic management and advice, similar to any other investment. With the right approach, a mortgage can be leveraged to grow property investment and build wealth over time.
Our personalized mortgage strategies consider all relevant factors to help clients achieve their long-term financial goals. We provide tailored advice and ongoing support to navigate the complex world of mortgages, especially when interest rates and property prices keep changing.
Our extensive experience and expertise have earned us several Top Adviser awards in New Zealand and industry recognition for our work. We believe that everyone, regardless of their property journey, deserves access to expert financial advice on managing their mortgage effectively. At Twine, we go beyond getting you the pre-approval and the lowest interest rates to help families build a solid financial foundation for their future, and create a life where they’re not limited by their mortgage.
Our Approach
At Twine, we pride ourselves on being relationship-driven advisers who prioritize delivering effective and strategic mortgage advice that responds to our clients’ evolving needs. We hold integrity as a core value and make a concerted effort to educate our clients on mortgages and property, empowering them to make informed financial decisions that align with their goals.
We recognize that education is key to making sound financial decisions, and we take great care in ensuring that our clients fully understand the mortgage process and the implications of their choices. Our advisers are committed to building lasting relationships with our clients, based on trust, transparency, and mutual respect.
We believe that our success is intrinsically linked to our clients’ success, and we work tirelessly to help them achieve their financial objectives. Whether it’s navigating the complexities of the mortgage market or providing tailored advice on property investment, we are dedicated to helping our clients make the most of their financial opportunities.
Our Team
E: eugene@twineadvisers.co.nz
Having migrated to New Zealand in 1995 with his family, Eugene has witnessed first-hand what a powerful ‘why’ can achieve.
The Global Financial Crisis was a turning point for him, igniting a passion to help New Zealanders understand their finances beyond just the numbers.
Since 2010, Eugene has since built a distinguished career spanning banking, wealth management, share broking, and mortgage advisory. His extensive experience allows him to offer a unique perspective which he applies to every client interaction, meticulously tailoring mortgage strategies and loan structures to meet individual needs. He also has a knack for explaining complex financial concepts in practical, straightforward manner that resonates with clients.
Eugene’s expertise and commitment to excellence have earned him several Top Adviser awards in New Zealand, along with widespread industry recognition for his approach toward mortgages and finances. He specializes in providing strategic mortgage and property advice, having helped numerous first-home buyers, property investors, and developers. He is the go-to person for complex deals with multiple entities and asset structures.
AWARDS
2026 OPES Partners Top 7 Financial Advisers in Auckland
2025 Pepper Money Adviser of the Year (Residential)
2024 Top 25 Brokers
2023 Select Adviser of the Year (Independent)
2020 to 2025 Top Adviser Award (NZA)
2019 & 2020 Young Guns Award (NZA)
Irene is a CAANZ Chartered Accountant, with over 8 years in business advisory services. Prior to joining Twine Financial Advisers, Irene was a Practice Manager for one of Auckland's top CA firms, helping her clients solve problems from setting up and navigating the complexity of their internal accounting systems, tax compliance, budgeting, forecasting and tax planning for various different sized organisation and across complex groups.
As Twine's Business Manager, Irene plays a pivotal role in overseeing all aspects of the business, including operations, strategy, marketing, accounting, HR and compliance. Bringing her business advisory experience, she develops and implements policies that ensure our financial advisers and FAP meet and exceed their compliance standards, keeping the business running smoothly and aligned with its goals.
She loves spending time with her young family and cooking up a feast in the weekend for her friends and family.
E: galina@twineadvisers.co.nz
P: 022 387 1833
With over a decade of experience in financial services, Galina Golub has built a diverse career that spans from Assistant Adviser at JBWere, a leading wealth management firm, to Client Relationship Manager at UBS Sydney, and Mobile Mortgage Manager at ANZ. Galina joined the Twine team in 2018, where she worked closely with Eugene before transitioning to a Mortgage Adviser in 2020.
Galina’s passion for property began with the purchase of her first family home, she vividly recalls the excitement of securing pre-approval and spending her weekends house hunting, and the exhilarating moment when the auction hammer fell in their favor. This personal journey fuels her dedication to helping other families experience the same joy in their property journey.
Galina connects deeply with first-home buyers, drawing on her own experiences. She becomes their strongest advocate with the banks, guiding them with both her personal insights and expertise.
As an investor with properties across New Zealand, Galina understands the unique challenges faced by investors. She leverages her extensive network of professionals—to provide comprehensive support to her clients.
Galina is committed to creating tailor-made strategies that keep her clients focused on their future goals. She listens intently and empowers her clients with the confidence that their dreams are within reach.
In her spare time, Galina enjoys spending sunny days outdoors with family and friends. Every winter, she and her family look forward to skiing trips in the South Island.
AWARDS
2024 Top 25 Brokers – NZ Adviser
E: daniel@twineadvisers.co.nz
P: 022 692 7566
Daniel understands that every client has unique goals; whether buying a first home, investing in property, or planning for the future, it’s important to understand each client’s situation and long-term plans. His role is to make the process clear, simple and reassuring from start to finish.
Daniel has experience across all types of lending, including non-bank solutions, and works closely with lenders, accountants, and other professionals to create lending strategies that work in the real-world, not just on paper. Calm under pressure and proactive when challenges arise, he guides his clients through complex decision with clarity and confidence.
As an accredited KiwiSaver Adviser, Daniel integrates mortgage and KiwiSaver advice, helping clients reduce debt, grow wealth, and feel secure about their financial future.
AWARDS
2025 NZ’s Rising Star – Best Young Mortgage Professional
2024 Top 25 Brokers – NZ Adviser
E: aileen@twineadvisers.co.nz
P: 098714698
P: 098714698
With over 17 years of experience in the financial services industry, my career began at Maybank Philippines, where I spent 14 years as a Loan Closing Officer, honing my skills in loan processing and customer service.
I then transitioned to a role as a Virtual Mortgage Assistant for a Sydney-based Mortgage Broker, where I spent more than three years further expanding my knowledge and capabilities in the lending industry. Currently, I am proud to assist Eugene as a Lending Assistant, continuing my commitment to providing exceptional service and support to our clients.
Isla is a blue roan English Cocker Spaniel, born and bred in Rotorua from a lineage of championship show dogs. The life of a show dog can be hard, but Isla was fortunate enough to not make the cut due to the spots on her nose and back. And for that, we are forever grateful. She's been part of our family and team since the early age of 8 weeks old.
Her daily responsibilities include greeting the team every morning, alerting everyone that the courier guy has arrived, and keeping the team happy and healthy by getting everyone to go for our daily lunchtime walks around Rosedale business park.
She'll join her colleagues on whatever they have going on, whether it's a team meeting or eating lunch - she'll be there.
Isla will be the first to greet you when you visit the Twine office, she'll come with her wiggliest of tails.
