With a strong background in lending, credit analysis, and financial risk management, Shilane brings deep expertise to her role as Mortgage Credit Manager at Key Mortgages. Her career spans more than three decades across the banking and finance sector, where she has developed a reputation for precision, sound judgement, and a calm, solutions-focused approach.
Shilane's experience includes five years with BNZ in Small Business Banking and Business Partner roles, where she assessed self-employed lending, business purchases, commercial property transactions, and financial projections. She also spent 18 months in Private Banking, supporting high-net-worth clients with complex lending and banking requirements.
Shilane specialises in assessing complex lending scenarios, structuring deals that align with both client goals and responsible lending standards, and supporting advisers with clear, strategic credit guidance. Her ability to translate intricate financial information into practical pathways makes her a trusted resource for both clients and colleagues.
Raised in Northland, Shilane is passionate about helping local families and investors access opportunities that build long-term stability and wealth. She values transparency, education, and empowering clients to make confident financial decisions.
Outside of work, Shilane enjoys spending time with her whānau, chasing after her eight mokopuna, exploring Northland's beaches, and getting stuck into DIY projects at home.
OUR team
Jeremy Andrews is the Director and Principal Mortgage Adviser at Key Mortgages, based in Whangarei. From an early age, Jeremy had a knack for spotting a good deal and a natural pull toward numbers and problem solving. That led him to a degree in Business and Information Systems, combining analytical thinking, problem solving, and commercial knowledge that continues to underpin his approach to mortgage advice today.
Jeremy started his mortgage advisory career in 2016 and founded Key Mortgages in 2021 with a simple aim: to deliver exceptional outcomes and remain in his clients' corner for the life of the loan, not just until settlement. Today he leads the Key Mortgages team, sharing their combined 100 years of financial services experience and helping clients navigate everything from straightforward First Home Buyer purchases to genuinely complex lending scenarios.
What Jeremy enjoys most about mortgage advising is helping clients achieve outcomes beyond their expectations. Whether it's buying a first home, building an investment portfolio, purchasing a business, or creating long-term wealth, he takes pride in finding solutions that make a meaningful difference to people's lives.
Over ten years in the mortgage broking industry, Jeremy has helped thousands of clients across New Zealand and overseas secure home loans, investment property finance, business finance, and commercial lending solutions. He has facilitated hundreds of millions of dollars in lending, from first homes and investment portfolios through to business purchases, commercial building projects, and the occasional left-field deal – machinery and aircraft finance included. Whatever the size of the deal, the approach stays the same: get the structure right, then keep checking in as life and goals change.
Born and raised in Whangārei, Jeremy spent time in Auckland in his twenties before coming home to Northland for the lifestyle, the opportunities, and the family ties. He's also a property investor and short-term accommodation operator himself, giving him firsthand experience with many of the lending and wealth-building strategies his clients are working towards. The advice he gives comes from sitting on both sides of the lending table, not just the adviser's side of the desk.
He lives in Northland with his wife and their two children. Outside work he's into mountain biking, running, diving, dancing, and a steady rotation of board games, most of which the kids have now been roped into.
With over 30 years of experience in banking and lending, Sheryn has helped thousands of clients secure finance tailored to their goals. She has worked across major banks, including BNZ, ANZ, HSBC, and ASB Go Home Loans, and even spent time in Singapore as a Private Banker for ANZ.
Sheryn holds her Level 5 New Zealand Certificate in Financial Services and is also a qualified Property Manager. She takes pride in understanding her clients’ long-term financial aspirations and designing lending solutions to help them achieve them.
Originally from Auckland, Sheryn returned to New Zealand in 2013 and has since worked as a mortgage adviser, property manager, and branch manager for the Co-operative Bank. Now based in Northland to be close to family, she enjoys DIY projects, gardening, and staying active in her local fire brigade with the Whangārei Operational Support Unit.
Originally from Rāpaki on Horomaka / Banks Peninsula in Ōtautahi / Christchurch, Demi comes from a strong background in customer service, sales, and banking, including four years with BNZ.
She holds a range of qualifications, including Whānau Ora, Business and Project Management, Rāranga (weaving), and a Certificate in Intermediate Banking. This diverse experience allows her to connect with clients from all walks of life and support them at every stage of their journey.
Demi is known for delivering care that goes above and beyond for her clients, with a genuine passion for helping people achieve their financial goals while being a supportive guide along the way.
“He aha te mea nui o te ao? He tangata, he tangata, he tangata.”
What is the most important thing in the world? It is people, it is people, it is people.
Lou joined Key Mortgages in 2025, bringing more than 10 years’ experience across the financial services sector.
Her background includes loan processing, administration, collections and client communications, giving her a strong eye for detail and a calm, organized approach to supporting both clients and advisers.
Originally from Davao City in the Philippines, often known as the “Land of Promise, Lou is passionate about helping people feel confident and supported throughout their financial journey, delivering thoughtful, tailored solutions along the way.
Outside of work, she enjoys spending time with family, caring for her two cats, Chippy and Tafie, and their much-loved dog, Puppy. She also enjoys gardening, hiking, and travelling whenever she gets the chance.
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