Phil Caldwell started up his own mortgage advice business in 2003 after seven years in the finance industry, and his vast knowledge of the industry propelled his new business to considerable growth and success. He is known for his straight-talking ‘no nonsense’ approach, and his strong expertise in building relationships with both clients and lenders. Caldwell won the prestigious ‘Broker of the Year’ title in 2005, and has been a finalist in the Waikato/BOP region ever since. He has been acknowledged by New Zealand’s major banks as one of the five top performing brokers in the region.