At Life Protector Limited, our mission is simple: to help hardworking New Zealand families—especially migrants, first-home buyers, and those with non-traditional income—access the financial opportunities they deserve.
We believe everyone should have access to expert financial guidance, not just the wealthy. That's why we provide personalized, faith-based service that puts your family's future first—always.
Our Core Values
Integrity & Honesty
Client-First Service
Faith-Based Approach
Cultural Sensitivity
"We don't just help you get a loan—we help you build lasting wealth, protect what matters most, and create a secure future for generations to come."
Rowena Telebrico - Sabdao
Founder & Financial Adviser
As a migrant herself, Rowena experienced firsthand the challenges of navigating New Zealand's financial system. She saw too many hardworking families—especially migrants and those with non-traditional income—struggle to get loans simply because banks didn't understand their situations.
With a passion for helping others and years of financial industry experience, Rowena founded Life Protector Limited to bridge the gap. She wanted to create a company that truly understood diverse clients and could navigate complex lending scenarios with expertise and empathy.
Today, Life Protector Limited has helped hundreds of Kiwi families buy their first homes, grow their businesses, consolidate debt, and protect their loved ones. We're proud to be known for our personalized service, cultural understanding, and unwavering commitment to our clients' success.
Founder, Director & Financial Adviser
Experience
10+ years in financial services
Qualifications
Licensed Financial Adviser, Mortgage & Insurance Specialist
Languages
English, Tagalog
Specialization
First-home buyers, Migrants, Self-employed, Complex scenarios
Rowena's journey into financial services began with a personal mission: to help families like hers navigate the complex world of loans, mortgages, and insurance in New Zealand.
As a migrant who experienced the challenges of establishing credit and financial credibility in a new country, Rowena understands the unique hurdles faced by newcomers to New Zealand. This firsthand experience drives her passion for helping others overcome similar obstacles.
With over 10 years of experience in the financial industry, Rowena has built a reputation for:
"I believe that everyone deserves access to quality financial advice, regardless of their background or circumstances. My approach is simple: listen first, understand your unique situation, and then provide honest, personalized solutions that truly serve your best interests."
"I'm not here to just 'sell' you a loan—I'm here to be your partner in building lasting financial security for you and your whānau."
Deep understanding of migrant challenges
Expert in complex lending scenarios
Faith-based, values-driven service
Multilingual communication
Personalized, one-on-one attention
Proven track record of success
We're not your typical financial advisers. Here's what sets us apart from the rest.
We understand the unique challenges migrants face. From visa requirements to establishing credit history, we've helped countless newcomers achieve their homeownership dreams in New Zealand.
Our faith guides our business practices. We operate with integrity, honesty, and a genuine desire to help others—not just make commissions. Your success is our success.
You're not just a number to us. You'll work directly with Rowena and our small, dedicated team. We take the time to understand your situation and build lasting relationships.
Self-employed? Multiple income streams? Non-traditional employment? We specialize in the "tricky" applications that other advisers turn away. We find solutions where others see obstacles.
We don't just give you a loan—we educate you on how to build wealth, save on interest, and make smart financial decisions. Knowledge is power, and we want you empowered.
Full transparency on fees, commissions, and conflicts of interest. We'll always recommend what's best for YOU, not what pays us the most. Our integrity is non-negotiable.
These are the promises we make to every client, every time
We'll respond to your inquiry within 24 hours—usually much faster. Your time is valuable.
No financial jargon or confusing terms. We explain everything in plain English (or Tagalog!).
We'll never pressure you into a decision. Take your time, ask questions, and proceed when you're ready.
We measure our success by yours. We're not satisfied until you're thriving financially.
Your personal and financial information is sacred to us. We'll never share it without permission.
Our relationship doesn't end at settlement. We're here for refinancing, reviews, and life changes.
While we help all Kiwis with their financial needs, we specialize in serving these communities
New to New Zealand? We get it. We've helped hundreds of migrants navigate the NZ lending system, from work visa holders to new residents building their first credit history.
We Help With:
Buying your first home can be overwhelming. We guide you through every step—from KiwiSaver withdrawals to understanding LVRs, making your homeownership dream a reality.
We Help With:
Self-employed income can be tricky for traditional lenders. We specialize in presenting your financials in the best light and finding lenders who understand business income.
We Help With:
Life changes fast with a growing family. We help you upgrade homes, consolidate debt, protect your loved ones with insurance, and plan for your children's future.
We Help With:
Our proven process ensures you get the best outcome with minimal stress
We listen to your goals, understand your situation, and answer all your questions
We review your finances, calculate borrowing capacity, and create a customized strategy
We compare options across our lender panel and present you with the best solutions
We handle the paperwork, liaise with lenders, and support you through to settlement and beyond
Let's start a conversation about your financial goals. Whether you're ready to apply or just exploring options, we're here to help—no pressure, no obligation.
5-Star Reviews
From satisfied clients on Google
24-Hour Response
We get back to you fast
100% Confidential
Your information is secure
"We're not just here to help you get a loan—we're here to help you build lasting financial security for you and your whānau."
— Rowena Telebrico - Sabdao, Founder
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