Meet the team

Lucia Xiao

Founder, Mentor and Property Coach


Self-made Multi-millionaire, Property Coach and 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.

Chris Hu

Property Coach


Chris loves all things property, she’s an experienced investor who’s grown a large portfolio of properties in five years, she has nearly 10 years’ experience as a real estate agent both as a buyer’s agent and selling property, and to top it off, she also runs her own renovation business.


She is passionate about helping people into home ownership and knew working with Lucia was the best way, as she is fully behind Lucia’s mission of home ownership for every New Zealander and aiding people to realise their financial potential.


Chris understands the ins and outs of property, not just development, renovations and the purchase process but how real estate agents think and operate. Her unique experience and skills make her the perfect coach to help you navigate the mine field of the property market and development, so you can get the best outcome for your next property purchase.

Melanie Evans

Property Coach and Marketing Lead


Melanie has over 10 years of experience in marketing, communications, graphic design and customer service. She’s passionate about property having bought her first home with her husband at 22, and grown their portfolio to $3.5m in the last year.


Melanie’s experience on both sides of the process, buying and selling, give her valuable insight on dealing with professionals in the industry. Her eye for design also allows her to see the potential to add value to property. Having worked closely with Lucia since August 2020 has gained valuable property analysis skills and financial acumen.


She’s passionate about helping people break through fear around perceived obstacles when purchasing property, whether first home buyer or first time investor.


Snr 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.




Mortgage Adviser

Johnny has been in the financial industry as a Registered Financial Adviser 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.


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.


Business Development Manager

Rebecca joined Finax in 2020 as an assistant financial advisor. She is a provisional member of Chartered Accountants Australia and New Zealand and working towards the CA qualification. She has been working in the accounting industry since 2018. Her accounting background can provide clients with financial advice, as well as tax implications for any transaction made by the client. She has a strong accounting and tax professional with a Master of Commerce focused in Commercial law, which could help clients to their success in the future.


Loan Writer

Yvonne holds a Bachelor’s degree in commerce with double majors in Finance and Marketing. She has been working in the Financial Services industry since she graduated from university in 2018. Her background in Finance and Marketing makes her very attentive to the ever changing financial market, enabling her to assist customers with professional advice to help them to achieve their financial goals and dreams.


Business Development Manager

Violet joined Finax Mortgages in February 2021. Having previously worked in one of New Zealand’s leading banks for five years, she brings a wealth of knowledge in Banking products and markets to Finax.
Violet has specialist skills in Relationship Management, Financial Analysis and Planning from her extensive experience in working with investors and businesses throughout her career. With her great people skills, Violet values her relationships with her clients and is passionate about helping them get one step closer to achieving financial freedom through property.


Client Relationship 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.


Client Relationship Manager

Alice has been working in the banking industry for over three years and has extensive experience helping customers with their financial needs. Alice holds a Bachelor of Commerce Degree with Majors in Finance and International Business. She is passionate about using her knowledge and experience to help customers to achieve their financial goals with her customer-oriented attitude.


Chief Financial Officer

Paris holds a Master degree in Finance and has been working in the Finance Sector since 2008. Her experience includes 4 years in the senior management team at one of the big four Fin-Tech companies in China. She joined us in 2021 and has already played a key role in planning and implementing our ever-evolving company strategy.



Darren joined Finax in 2021 as lending assistant. He holds a bachelor degree of Commerce (major in accounting). After 3 years’ study in Canberra, Darren moved to Melbourne and worked in the accounting industry from 2017. Darren’s accounting background can help better understand clients’ financial position. He is passionate about helping clients to achieve their financial goals.

Cindy Fang


Cindy originally stepped into the property industry as the Real Estate agent in 2015. She has a Bachelor of business degree majoring in Finance and focused on customer service and property market for over 6 years. To combine the finance background with property experience, Cindy will provide the professional service with her expertise to assist customers along the property journey.


Video Content Producer

Anthony is our video production guru with a decade’s worth of experience in the creative industry. Half of his career was spent working in the charity sector, most notably working with World Vision. His personal drive for self improvement pushes him to consistently update his creative flair to keep his work relevant and fresh. Possessing an invaluable skill set in videography, he happily sits with the Marketing team helping Finax advance the quality of their digital content.
He is a storyteller at heart having been involved in the creation of a number of documentaries and short films which have been featured in film festivals such as the New Zealand International film festival and the Tribeca Film Festival in New York City.