Lucia Xiao


Self-made Multi-millionaire & Property Investment Mentor Lucia Xiao is a successful property investment mentor, founder of Finax Home Loans and author of Financial Freedom: 5 Steps, 5 Years.

From humble beginnings living in a state house, Lucia has now built a $17 million property portfolio in 5 years, and is on track to double this within the next 2 – 3 years.

Lucia has also been an investment advisor and mobile business manager through the GFC and business and commercial insurance manager for a leading NZ bank. Her experience working with 10’s of thousands of banking customers has equipped her with highly valuable and unique experience for mortgage customers. Lucia also is a proud supporter of Kidscan through the B1G1 program.


Emilie Petitdemange

Member Manager

Emilie is originally from France. Before she found her home in Auckland, she has lived across the globe in Africa, Bangkok, the States, London and Melbourne, giving her fluency in four languages. Emilie holds a masters degree in Business Management. She has extensive experience as a Business Development Manager across a number of industries, as an Insurance Adviser as of a year ago and as an event manager for several local New Zealand charities.

Emilie has a driven understanding of property, and being a homeowner, she realised it isn’t always easy to buy your first house and people often make mistakes by not buying the right property. She is here to help all our members make the most of our property investment program, helping them to reach their goals of becoming homeowners and investors.


Meet the Lending Team

Hien Thu Thi NGUYEN
027 879 8357

Senior Mortgage Adviser

Keelan Clark
027 879 8351

Business Development Manager

Johnson CHENG
027 879 8355

Senior Mortgage Manager

027 279 8352

Mortgage Adviser

Pui Shan NG
027 879 8358

Insurance Adviser

Tsung-Yin LEE

Senior Mortgage Adviser

Lillian Nguyen

Mortgage Adviser

Lillian spent five years working in one of New Zealand’s leading banks, and excelled as Business Relationship Manager. Lillian has a degree in Accounting and International Business and has in-depth experience in Business and Personal lending. She has helped many clients achieve their financial goals – from homeownership to building an investment portfolio. She is passionate about FINAX’s vision of “Empowering New Zealanders to build Financial Confidence & Financial Independence” and it inspired her to find the best solution for clients to achieve their financial goals.

Keelan Clark

Business Development Manager

Keelan holds a Bachelor’s degree in Finance and has been working in the Finance Sector since late 2018. Previously his experience has been primarily in the Travel Sector, and now his efforts are focused on developing personal growth for clients over the long term. He may be relatively new to the space but he has always held his clientele in high regard and works everyday to ensure they reach their goals and dreams.

Johnson Cheng

Snr Business Development Manager

Johnson has been actively working in the financial industry since 2010. Prior to joining Finax Mortgage & Insurance, Johnson was consistently recognized as one of the top performing mortgage managers for four years and always provided the best solutions to help his clients reach their goals and purchase the dream home. As well as being the mortgage expert, Johnson has also spent 4 years in residential development overseeing his own projects and has built an extensive knowledge base of construction and development loans. More recently he has personally been working on larger scale development projects as well. Johnson enjoys educating and informing his clients so they are able to make informed decisions. His client first mentality has helped him develop an outstanding reputation in the real estate community and has created a broad network of satisfied past clients.

Calvin Liu

Business Development Manager

Calvin has been working in one of New Zealand’s leading banks for over 6 years as a Mobile Mortgage Manager and specialises in a true specialist in all aspects of home loans. Calvin holds a Master’s degree in Business Economics which has given him a good understanding of market changes. Thinking outside the box from different perspectives, diligence and showing his professionalism are Calvin’s keys to finding the best solutions for different clients. He is highly motivated to assist clients to achieve their financial goals.

Sandy Ng

Insurance Adviser

Sandy was a financial and insurance advisor in Hong Kong for more than 7 years having worked for the biggest insurance brokerage over there and also attained her Associate Financial Planner (AFPTM) certificate in 2014. Since moving to New Zealand in 2019, she continued her career as an insurance broker to serve many Kiwis. Sandy enjoys meeting people and making new friends from her job. She also has 7 years of experience in marketing which contributed to her well-versed communication skills with both clients and business partners. Sandy is grateful for the opportunity to really help each one of her clients and make a true impact through her job. 

Johnny Lee

Mortgage Adviser

Johnny has been in the financial industry for over five years, holds a Bachelor of Commerce degree and national certificate in financial service. He has excellent analytical skills and a good understanding of the property market. Originally from Taiwan, Johnny has bilingual ability as well as extensive understanding of diverse cultures. He is able to think from different perspectives and assist clients in ways that are most suitable for them. Johnny is highly motivated and is passionate about helping clients to achieve their goal with excellent client service

Nicklaus Li

Senior Business Development Manager

Nicklaus has been working in the financial services industry since 2016 and is passionate about providing professional funding solutions for customers. He holds a Bachelor of Commerce with a double major in Accounting and Finance. In 2019 Nicklaus achieved results in the top 10% worldwide for the CFA exam. His diverse cultural background also helps Nicklaus an provide an equally high level of service for customers.