ABOUT US
Meet Shane, your mortgage adviser
At Key & Compass, you are working directly with me, Shane Passfield-Bagley, a Christchurch based mortgage adviser working with clients across New Zealand. I specialise in guiding home owners and property investor clients through lending decisions in a calm, practical way.
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I have worked with a wide range of clients, from salaried first home buyers and growing families through to self employed business owners and active property investors. What I hear often after our meetings is that they finally feel like someone has explained it properly and given them a plan that fits their life, not just the bank’s forms.
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Buying, refinancing or investing can feel overwhelming, with different rules, products and opinions to weigh up. My role is to slow things down, understand your goals and numbers, and explain what the banks are likely to say so you can move forward with confidence. Our process, the Key & Compass Method, keeps every step structured, transparent and designed for long term outcomes.
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The relationship does not end at settlement. I stay in touch with reviews, refix support and check ins when rules or your life change, so your lending keeps working for you over time.
Why I started Key & Compass
Before launching Key & Compass I worked as a mortgage adviser within a larger financial advice group, helping clients all over the country with new lending, ongoing structure advice and investment lending strategies. I enjoyed the work, but I could see there was room to slow things down and put education at the centre of the conversation.
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Many people told me the same thing after our meetings:
​“No one has ever explained it to us like that before.”
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Key & Compass grew out of that feedback. I wanted a business that gives people clear explanations, honest advice and a long term plan, rather than just a one off transaction. The name reflects that. The key is helping you secure the right home or investment. The compass is being the guide that helps you navigate there and stay on course as life changes.
Our Vision
To transform mortgage advice in New Zealand into a lifelong partnership built on clarity, trust, and empowerment—where every client feels confident, informed, and supported in achieving their financial goals.
Our Mission
We guide clients through complex lending decisions with transparency, education, and care. Our mission is to simplify the process, provide balanced advice, and deliver solutions that align with long-term goals. We stay connected beyond settlement, ensuring lending strategies evolve with life’s changes.
Our Core Values
Our 10 core values sit at the heart of every decision we make. They guide how we show up in conversations, how we weigh up different lending options and how we measure whether a decision is truly in your best interests.
Purposeful Work
​We do work that matters, helping clients achieve financial security and home ownership.
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​Excellence in the Ordinary
Every detail counts; we deliver quality and accuracy consistently.
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Client Focus
Decisions are made with the client’s best interest and long-term success in mind.
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Fearless Decision Making
We act with confidence and clarity, not fear, backed by research and sound judgment.
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Integrity Always
Compliance and ethics are non-negotiable; character matters all the time.
Continuous Improvement
We challenge traditions, embrace innovation, and refine systems for better outcomes.
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Ownership Mindset
We take responsibility like we own the place—because our clients deserve that level of care.
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Team Spirit
​We win together and support each other, fostering respect and shared success.
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Education & Empowerment
We equip clients with knowledge to make informed decisions, outlining pros and cons clearly.
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Resilience & Momentum
We never give up. Focused intensity over time creates unstoppable progress.
A real person behind the spreadsheets
Outside of mortgages I am a husband, dad and animal lover who understands the real world pressures of family life, business cashflow and the never ending list of home projects. That lived experience shapes my advice. I know your mortgage has to work in day to day life, not just in a calculator.
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When we work together you can expect a relaxed but professional approach, straight answers and plenty of room to ask questions. My goal is that you always walk away feeling clearer and more in control than when you arrived.
