Our story.

Rede Finance is a team of lending experts with more than 50 years of combined finance industry experience. Our experience means we can smoothly navigate the lending process for you and deliver real results. We have strong relationships with all the major lenders and can remove the hassle from the lending process.

Our brokers are highly skilled and take the time to listen to your situation and plans so that we can secure the best possible outcome. Whether you need a first home loan, a business loan or a complicated commercial loan, we can help.

What’s even better? We get paid by the lenders, so our expert advice is usually free to you.

Our Team.

  • William Cheong – Chartered Accountant

    Director & Senior Broker
    William Cheong

  • James MacMillan

    Director & Senior Broker
    James MacMillan

  • William Cheong – Chartered Accountant

    Director and Senior Broker

    William has over 15 years’ experience in commercial banking, liquidity risk, Treasury and debt capital markets. He has worked both in New Zealand and the U.K.

    In New Zealand, William worked at BNZ as a commercial banker, where he proactively built a commercial portfolio of leveraged debt transactions for his clients. At KPMG New Zealand, his role as a financial risk manager made great use of his broad range of skills to analyse large corporate financials and interpret them for board members.

    In the U.K, William worked in London with RBC Wealth Management. He also was a key member of the liquidity risk team at the Royal Bank of Scotland.

    William has a particular interest in New Zealand’s thriving eco-system of mid-market businesses, and he is an advocate for entrepreneurs who think outside the box. As the founder of Rede, he is passionate about using his international experience and local knowledge to help business owners achieve their aspirations.

    Ph: +64 21 022 73670

  • James MacMillan

    Director & Senior Broker

    Before joining Rede, James worked within New Zealand banks for 15 years. Over that time he was able to work across a number of sectors and segments including Property Finance, Restructuring & Insolvency, Business, Commercial and Corporate banking. 

    Through this experience James grew an interest, passion & understanding of particular industries such as education, particularly early childhood, the broader Food & Beverage sector and any revenue model where contracted and recurring income exists.

    James believes in challenging the status quo, surrounding oneself with great people and being compassionate and helping others.

    Outside of work James is a sports enthusiast, particularly horse racing & cricket and he is supported (and kept honest) by his wife Jo and two daughters Olivia and Phoebe.

    Ph: +64 21 242 9653


"I’ve been dealing with the principals of Rede for a number of years. I’ve found James and Will to be professional, prompt and their advice to be spot on. James has advised us on a substantial prospective acquisition and arranged finance for another purchase. I’d have no hesitation in recommending Rede and they are my go to for buy/sell advice and financing."James Tucker, Managing Director, Mad Group

"We recently purchased an investment property. James and William at Rede were absolutely integral in assisting us with our successful purchase. Our existing bank was not willing to fund us, however William managed to secure funding from an alternative bank at a great interest rate and secured a cashback offer which more than covered our break fees. We found Rede extremely good to deal with. They made the process easy for us and we would not hesitate to recommend them."Emma and Nick Wilson

"Thanks for making the finance process so simple. You asked some key questions and dealt with the markets to get us the best solution. We would not have the deal without you. Thanks, guys!"Johann van der Merwe

"I have worked with James Macmillan for over 5 years and I have utilised him in a financial advisor and strategic planning capacity. He is outstanding in his professional approach, timeliness, accuracy and advice in structuring funding. James continues to support my business, bringing smart solutions to anything I’ve needed and he has provided an excellent sounding board for my business ideas and capital planning, built from a base of trust. I am delighted to recommend James and the team at Rede."Grant Harford, E Stone Technology (2015) Limited