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We’re more than just mortgage brokers.

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.

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.

Unlock Your Mortgage

Our Team

Eugene Bartsaikin

Director & Mortgage Adviser

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 Halim

Business Manager

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.

Galina Golub

Mortgage Adviser

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

Daniel Jespersen

Mortgage 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

2026 Rising Star Recognition – Kiwi Adviser Network
2025 NZ’s Rising Star – Best Young Mortgage Professional
2024 Top 25 Brokers – NZ Adviser

Aaron Chen

Loan Writer

Aileen Joy B. Leal

Lending Assistant

E: aileen@twineadvisers.co.nz
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

Furnancial Adviser

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.

What our Clients Say

    
 
 
         
   Sam Selby-Bennetts 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was referred to Eugene through a friend, and from the very beginning, both Eugene and Aileen were fantastic to work with. Their systems were incredibly organised, making the whole mortgage application process feel absolutely seamless. Communication was outstanding throughout, with almost daily check-ins via email and phone calls whenever something important came up. I always felt well informed, supported, and confident that everything was being handled properly. Eugene and Aileen made what could have been a stressful process feel easy and straightforward. I would 100% recommend Eugene, Aileen, and the team at Twine Advisers to anyone needing mortgage advice.
  
 
        
   Mandy Dunlop 
 
 
 
 Trustindex verifies that the original source of the review is Google. Galina went out of her way for Us ! To giving us the best advice to getting settlement through ! A big thanks The Blakes !
  
 
        
   Alexander Chorny 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent top-tier service!
We received mortgage advice from several brokers, but Twine offered the most thorough guidance, paying close attention to the details and ensuring every step went smoothly. We appreciated how easily accessible they were.
Highly recommended!
  
 
        
   Amy Cumming 
 
 
 
 Trustindex verifies that the original source of the review is Google. Daniel was great and helped me out throughout the daunting process of getting a loan approved. Also helped me with getting a lower interest rate which my bank announced after my loan had been signed off on which was super appreciated.
  
 
        
   Cherie Chng 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a wonderful experience working with Galina as my finance broker. From the very beginning, she was professional, knowledgeable and incredibly patient in guiding me through the entire process.

She took the time to understand my situation, explained everything clearly and ensured I felt confident at every stage. Her communication was prompt and transparent and the whole process was well-managed because of her expertise and support.

I would highly recommend Galina to anyone looking for a reliable, trustworthy and highly capable finance broker. Thank you again for making what could have been a stressful experience feel seamless and positive!
  
 
        
   Carolyn Allen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Eugene and team are great to work with. Very responsive and exceedingly patient! Excellent results. Would highly recommend.
  
 
        
   Praneesh Prasad 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing experience working with the team at Twine. Eugene & the team have been super helpful from the start and walked us through the whole journey step-by-step. They were always on hand to answer any questions or hop on calls to discuss anything that wasn't clear for us. Definitely the support you need during stressful times.

We couldn't recommend Twine enough! Good job team.
  
 
        
   Hamza Hoosenally 
 
 
 
 Trustindex verifies that the original source of the review is Google. Eugene and the team at Twine were professional and efficient in every regard. My wife and I were interested in refinancing to another lender for a 1.5% cashback but were put off by the process and administrative work associated with this, especially since she was partly self employed. Eugene and Co took all of the hassle out of it and guided us throughout. It made what would have otherwise been a complex and time consuming process very manageable and stress free. Not to mention the nice cashback received at the end and a very good choice of new lender that seems to suit our circumstances better than the incumbent. Highly recommended!
  
 
        
   Monica Choy 
 
 
 
 Trustindex verifies that the original source of the review is Google. Daniel from Twine was fantastic.  Walked us through every step of the process and made it easy even when the banks were super pedantic.  Super responsive and you always felt like you got the best deal out of the banks.  Ours was a complicated structure but Daniel understood it from the start and helped me better understand too.  We structured across two lenders to optimise or maximise our leverage.  Great rates & offers from two banks as a result
  
 
        
   Daniel Wyatt 
 
 
 
 Trustindex verifies that the original source of the review is Google. Second time working with the lovely team at Twine. Firstly to get into my first home and secondly to go through the potentially messy situation of refinancing due to a separation. Both times they answered all my questions and took the time to make sure I understood the process. I appreciate that they also get back in touch before loans come up for refixing in order to help support you through the process. Would highly recommend.