Loan Market Compass

Setting up your mortgage and never reviewing it is a lot like paying for a gym membership you haven’t used since 2023.

It’s incredibly easy to set-and-forget your home loan. But the market moves quickly, and a structure or interest rate that made sense a few years ago might be costing you today.

Running a quick health check on your current loan isn't about starting over. It’s simply checking if another structure can give you better flexibility, optimise your repayments, or let you use your equity to your advantage.

Let's brush the dust off your current setup. Get in touch to run an obligation-free review of your numbers.

Your feedback means the world to us! Thank you so much to everyone who takes the time to share their experience. 📝✨

Looking for a reliable partner to help you navigate your finance options?

Get in touch for a chat today! ☎️

Whether you're looking to upsize into a bigger family home or downsize into something smaller, you might be sitting on more options than you realise.

The equity you’ve built up in your current property has quietly become your biggest asset and can give you real flexibility when planning your next move.

We can help you figure out exactly how much usable equity you have and how to unlock it strategically. Send us a DM. 💬

Trying to buy a home on a single income can feel like trying to ride a tandem bicycle by yourself. It takes a lot of drive, but solo Kiwi buyers are making it happen.

When you’re flying solo, getting an approval comes down to a few clever, tactical strategies that help maximise your position in the eyes of a lender.

You don't have to pedal a tandem bike alone. Send us a message and let's run the numbers on your position to make it happen.

Many first-home buyers think they need a standard 20% deposit to get on the property ladder, but the reality is that you might not actually need to save that much.

There are a few pathways available that let first-home buyers secure a property with a much lower deposit. Depending on your situation, you could be looking at options anywhere from 5% to 10%.

Whether you combine your KiwiSaver withdrawal, personal savings, or even family support, your property goals can suddenly get fast-tracked.

Keep in mind that banks factor a Low Equity Margin (LEM) into your rate for lower deposits, and every lender has completely different rules for navigating it.

You don't have to tackle those criteria alone. Connect with us for a chat and let’s see what options are open to you.

https://adviser.loanmarket.co.nz/howick/products-services/first-home-buyers/

Staring at your banking app trying to guess where interest rates are heading next? You’re definitely not alone.

If your fixed rate is coming up for renewal over the next few months, it's natural to have a few questions about what the current lending landscape looks like.

Getting a head start simply gives you time to look at the options with clarity before your deadline arrives. If your fixed term is winding down, let’s connect for a no-obligation chat.

What a nice surprise this morning from a grateful first home buyer ☺️ What we do is such a privilege and we love being able to help in a small way 👌 Many thanks Troy & Gemma🥂🥂

When the headlines say the property market is quiet, most people freeze. But seasoned property investors do the exact opposite.

Latest data from Cotality shows that multiple property owners are quietly holding a 24% share of the property market right now.

While everyone else is hesitating, they are capitalising on less competition and better negotiating power. And with tax rules like 100% interest deductibility fully back in play, the math on long-term wealth creation is stacking up again.

If you already own a home, you might be closer to buying your first rental property than you think.

Explore our website to see how you could use your current position to start investing.

https://adviser.loanmarket.co.nz/howick/products-services/investment-loans/

Time to buy your first home? We're here to help, as with our most recent settlement :

"Working with Nick made getting our first home a reality. Nick was one of the first people to instil a confidence in us to be able to make getting a home, a reality. There are no stupid questions to ask with Nick and he also put us in touch with incredible lawyers and a builder who smoothed out the process even more. I wouldn't hesitate to recommend Nick and his team to support you with your mortgage!"

And here is a first home I stumbled accross under $800 000: https://www.realestate.co.nz/43032393/residential/sale/11-emerson-road-clover-park
(Note: We do not recomend this property as such and you need to do your own due dilligence)

11 Emerson Road, Clover Park, Manukau City - For Sale - realestate.co.nz House for sale at 11 Emerson Road, Clover Park, Manukau City, Auckland with 3 beds, 1 bath, 791m² land area. $769,000. View all 18 property photos and Clover Park suburb information.

Happy King’s Birthday!

There is nothing quite like a long weekend to make you look around your home and start planning a few upgrades.

Whether it’s modernising your kitchen, refreshing your bathroom, or practical maintenance like roofing and painting before the winter weather turns, you don't necessarily have to sell to get the space you want.

There are some competitive renovation loan options in the market right now designed specifically to help you fall in love with your home all over again.

Enjoy the rest of your day off, and let’s chat later this week about exploring your options.