Mortgage Matchmaker

12/05/2026

If you have a KiwiSaver account, this is your little reminder to check your contributions before 30 June.

The Government currently contributes up to $260.72 each year to eligible KiwiSaver members. But to receive the full amount, you need to contribute at least $1,042.86 before 30 June.

That’s essentially free money towards your future home, retirement, or long-term financial security.

A quick check now could make a real difference later.

✔️ Check your KiwiSaver balance
✔️ Review your contributions
✔️ Top up before 30 June if needed

Financial literacy is not always about massive changes. Sometimes it’s simply knowing what opportunities are available and making sure you do not miss them.

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07/05/2026

* Are you paying more interest than you need to?
* Is your fixed rate due to expire?
* Has your mortgage simply become “set and forget”?

A quick review of your loan structure could potentially save you thou$ands in interest and help you repay your home loan faster.

I help clients refinance their home loans with strategy and structure, helping reduce interest costs and align lending with their financial goals.

Message me for a personalised Home Loan Review.

Property before Prada, always.

home loan banks

06/05/2026

There is something really special about walking alongside clients beyond just the home loan.

Last week Trudie Rutherford TruBlue Risk Adviser and I visited our mutual clients Emma & Josh to celebrate a very important milestone, the arrival of their beautiful baby boy, Atlas.

I helped Emma & Josh into their first home, and Trudie made sure they had the right personal insurance protection in place to help safeguard their future. Seeing them now, settled into their home and growing their family, is exactly why having the right team around you matters so much.

Buying a home is not just about getting a mortgage approved. It is about building a life, protecting what matters most, and having trusted advisers beside you through all the bits in between.

I often say to my clients that I become your personal banker for the life of your loan, not just the transaction. This was a beautiful reminder of that.

Thank you Emma for the cuddles with Atlas, and for allowing us to be part of your journey.

08/04/2026

The Reserve Bank has held the OCR at 2.25% today.

The key reason is rising global uncertainty, particularly the impact of the Middle East conflict on oil and gas supply, which as you know is already pushing fuel, transport, and food prices higher.

RBNZ expects inflation to lift to 4.2% in the June quarter, so today’s decision reflects a careful balance between keeping inflation under control and not slowing the economy unnecessarily.

For homeowners and buyers, this likely means interest rates may stay around current levels for a little longer.

If you’d like to review whether your home loan structure is still working for you in this environment, now is a smart time to check in.

05/04/2026

Is your home loan still working for you?

Let me take a guess.

Your fixed rate has rolled off, repayments have changed, and life looks a little different than it did 2 or 3 years ago.

- Maybe the mortgage was simply “set and forget”.
- Maybe you’ve been meaning to review it for months.
- Maybe you’re quietly wondering if you’re paying more interest than you need to.
And the truth is, most people are.

What you need is not just a new rate.

You need a personalised review, a clear loan structure, and a strategic plan that aligns with your goals, your family, and the way you actually live.

The right structure can help reduce interest, improve cash flow, and potentially take years off your loan term.

This is where I come in.

I help families refinance with strategy, not guesswork, so your mortgage supports your future, not just your lender.

Call me for a no-obligation home loan review.

Property before Prada, always.

23/03/2026

If your home has been quietly asking for a little love… this might be your moment.

You know the feeling.

The kitchen that no longer works.
The bathroom you have learned to tolerate.
The space that just does not reflect you anymore.

And you think… one day.

But what if that “one day” was actually now?

ANZ is currently offering a renovation top up of up to $50,000 at 2.5% fixed for 3 years.

A simple way to refresh your home, without putting pressure on your everyday cashflow.

This is not about overextending yourself.
It is about using the right structure, at the right time, to improve how you live and add value to your home.

If this has been sitting in the back of your mind, it might be worth a conversation.

Message me and I can show you what this could look like for you.

28/10/2025

This is going to be an event like no other! Ladies in business, you can invite your friends to share in this fun-filled evening and learn about the wonderful women in the community that are running businesses.

We need all the support we can get to make our businesses a success. What better way than 'this' event for others to hear how great you are!

There will be some exhibitors selling their products on the night - who can say 'no' to a bit of early Christmas shopping. In pure tradition, we will play a game or two, have fun activities to get to know each other and have spot prizes up for grabs.

Come and enjoy a glass of bubbles and feast off yummy platters (included in your ticket price). There is also an open bar.

Please come in your favourite Christmas headwear - we will give a spot prize to the person with the best Christmas headwear.

Get in touch if you want to be a sponsor to promote your product/s and be put under the spotlight or sell your products on the night. The trio can't wait to see you all again!

A fun-filled networking evening with exhibitors, games and great prized up for grabs. Ladies in business bring along a friend/s with your Christmas headwear!

29/09/2025

Are you a first home buyer? I can help you get that sorted with these simple steps...

Step One: Nail Your Deposit & Budget

When you’re buying your first home, getting your deposit sorted is the first big step. Here’s what you need to know:

- 20% deposit – This is the standard most lenders want to see.
- 5% deposit – If you qualify for a Kāinga Ora First Home Loan, you may be able to get started with as little as 5%.
- 10% deposit – Some lenders allow this, but Low Equity Margins (LEM) or Low Equity Premiums (LEP) will apply.

What’s a Low Equity Margin/Premium?
If your deposit is less than 20%, banks consider it higher risk. To cover that, they’ll either:
· Add a margin (extra % on your interest rate), or
· Charge an upfront fee (sometimes added to your loan).
Example: With a 10–15% deposit, you might pay around 0.75% extra on your interest rate. Some banks also charge a smaller upfront fee plus a reduced margin (e.g., 0.25%–0.45%).

Tip: A bigger deposit means fewer fees, a sharper interest rate, and lower repayments in the long run.

Follow along to make sure you catch the next step!

26/09/2025

It was a privilege to help Mark into his very first home.

I assisted him every step of the way which included his preparation for the auctions which can be overwhelming for first home buyers.

Now that he is a homeowner (which usually means debt) we have plan on how to pay down the debt faster and become freehold quicker.

He’s on the property ladder and has a project that he is excited about and I was glad that I could be part of Marks journey.