- 10+ years of assisting clients into their first home.
- Leveraging to create wealth through investment properties.
- Residential development/construction lending.
- Commercial property lending.
- Refinancing/loan structure advice.
I'm a Scottish-born Kiwi, having lived in Tauranga for most of my life. I've worked in the finance and banking industry, having held several management roles during this time with a major bank. I have experience helping a wide range of clients with varying needs. I enjoy being a part of my clients' life journeys and consider it a privilege. I specialise in tailoring solutions to meet the needs of my clients, ensuring its personalised and the right approach to achieve the best results. I've held property in Auckland and Tauranga, understanding the market conditions and the transaction process from start to finish first-hand. In my spare time, I enjoy spending time with my two kids who are particularly interested in fishing. I've recently taken up running and enjoy the challenge that it brings. I also have a personal passion for all things aviation - being an experienced pilot, having ratings on eight different aircrafts.
My Three Golden Rules
- Opportunities come to those who grab them
- Getting lucky with property is about being prepared - do the homework today
- Don't worry - the sun will still come up tomorrow
Reviews & Feedback
We cannot recommend your services enough and thoroughly enjoyed working with you to achieve the purchase of our investment property. You were professional, approachable and you had our best interest at heart. We have had a difficult time obtaining finance in the past and you really went to bat for us and achieved an outcome that no one else could. We were well informed throughout the entire process and your enthusiasm and dedication exceeded all expectations. Your friendly and hardworking nature made everything easy and we have no hesitation in recommending you. Thank you for getting us such a wonderful result.
Matt & Hannah
James Lowes was our saving grace! We own our first home because he backed us from beginning to end. He gave us a starting point, a push forward, our "where to next" every month or so, and acted as a personal cheer leader!
We also had him "fighting" the banks on our behalf, not taking no for an answer. He is an absolute legend, a first home buyers best friend. We look forward to working with him again in the future.
Coralie H. & James P.
When I was looking for a Financial Adviser one of my top priorities was to find someone who was ready to listen and actively interested in delivering the type of customer experience I was looking for which was to have an open, honest, trusting relationship with a single contact who is just a phone call / text message away and can support me according to my availability and schedule
Right from the first time I met James I was struck by his genuine interest in getting to know me / wants and willing to spend the time to talk through scenarios and be an active partner in developing, executing and realising the plans towards achieving our goals.
It’s been so refreshing to be treated like a VIP and make solid progress on our plans and would strongly recommend James and the Lifetime team for all your financial needs and wants.
The only regret you will have is not making the change earlier!!
Neither Lifetime nor I have been subject to a reliability event. A reliability event is something that might influence you in deciding whether to seek advice from either myself or Lifetime. As an example, this would be a serious event such as legal proceedings against me, or bankruptcy in the last four years.