Kirk Collins

MORTGAGE ADVISER

I'm a senior mortgage adviser at Enva Financial and was named Enva's Adviser of the Year in 2025. I specialise in refinancing, first-home lending, investment property finance, and commercial lending. I take the time to understand each client's financial position and goals, then recommend a lending solution built around them; not a one-size-fits-all approach.


”Most people set and forget their home loan. Reviewing it regularly is one of the simplest ways to potentially save thousands.”

Kirk Collins

Kirk Collins is an absolute financial genius. He helped me every step of the way throughout my home loan journey and continues to follow up with me every year on my “loaniversary”. I highly recommend Kirk to anyone looking for a great mortgage broker.

ELLE J.

We recently worked with Kirk Collins on our mortgage refinance, and the experience was outstanding. Kirk made what can often feel like a stressful process incredibly smooth and straightforward. He clearly explained all of our options, answered every question with patience, and guided us step by step, so we always felt informed and confident in our decisions.

Thanks to his expertise, we were able to secure a great deal that suited our needs perfectly. His professionalism, responsiveness, and genuine care for his clients truly set him apart. We couldn’t be happier with the outcome and highly recommend Kirk to anyone considering refinancing their mortgage.

MARY M.

Kirk from Enva was great to deal with throughout our home purchase process. He was very responsive, gave good advice, and was supportive at each stage. I highly recommend Kirk and Enva.

KIRSTY V.

We had the pleasure of dealing with Kirk Collins from Enva Financial for our refinance. He was amazing at answering all our questions and was extremely patient throughout the process. We would highly recommend Kirk for any refinance needs.

DHARSHI M.

Kirk was my guy, and he was brilliant all the way through. He was patient, knowledgeable, and persistent, and made sure I got the mortgage I needed. His advice was wise and practical. I would highly recommend Kirk.

ASH M.

Kirk was unfailingly patient with us as we organised ourselves to refinance our mortgage. He worked hard to give us the best options and advice, and the handover to the lawyers and bank was smooth sailing. I would definitely recommend him.

KATHLEEN B.

I refinanced my home loan with Kirk, and the whole process was really smooth. I also asked Kirk to recommend a lawyer, and the lawyer’s fee was reasonably priced. That process was smooth as well. I usually do not leave Google reviews, but I wanted to leave a recommendation for Kirk and Enva because I am so satisfied with the overall experience.

JUNG W.

We honestly could not have asked for a better mortgage adviser than Kirk. He supported us through the entire process and worked incredibly hard to help us secure our home loan. Buying a home can feel overwhelming, but Kirk made everything clear and kept things moving smoothly. His communication, knowledge, and genuine care made such a difference. We are so grateful for his help and would recommend him to anyone looking to buy a home. Kirk is the man to get the job done!

CHELCIE R.

We recently refinanced our mortgage, and Kirk Collins was amazing. He was super helpful and replied to emails and texts almost straight away, unless he was busy with a client. Kirk is such a kind and caring person, and I would recommend him to anyone looking for a stress-free process.

CHRISTINA J.

Enva Financial is proud to be named a 2026 top mortgage brokerage by NZ Adviser

A little bit about myself:

I’ve been with Enva for nearly five years, helping hundreds of Kiwi families and investors navigate their home lending.

Before becoming a mortgage adviser, I worked in management consulting and spent more than seven years overseas pursuing golf and furthering my studies. I grew up in the Wairarapa, and outside of work you’ll usually find me playing golf, travelling, watching or playing sport, and investing.

I was honoured to be named Mortgage Adviser of the Year in 2025, but the wins that matter most to me are the ones my clients achieve. That might be securing a more competitive rate, receiving a helpful cashback contribution, collecting the keys to a first home or growing a property portfolio.

The best thing about being an adviser:

The best part of my job is seeing the moment a client realises what may be possible. It could be a first-home buyer who thought they were years away from owning a property, or a family who discovers that refinancing could reduce their repayments or provide a cashback contribution that helps ease financial pressure.

Home lending can feel complicated and intimidating, so I enjoy cutting through the jargon and making the process clear and manageable. No two clients are the same, and that is exactly what keeps the work interesting.

How can I help?

I take the time to understand your financial position and goals, then compare lenders to find the right rate, structure and cashback options for you. Whether you are refinancing, buying your first home, investing or seeking commercial finance, I manage the process from start to finish and review your lending regularly to keep it working for you.

Contact Kirk today

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