Chris Dodson Mortgages Plus

04/06/2026

Great to be quoted in OneRoof today on a trend we're actively seeing. Australians (and Kiwis) are using the budget changes as a trigger to consider buying back into NZ.

No capital gains tax, no stamp duty, and lower entry prices are making NZ genuinely compelling right now. We're currently helping clients on both sides of the Tasman navigate exactly this ✅✅

Rules don’t go both ways and favour Aussies investing in New Zealand, experts say.

01/06/2026

Best job in the world!

19/05/2026

A Kiwi couple came to us recently. He works in Sydney on Aussie PAYG income. She still works remotely for a Wellington tech company on NZ$110,000. Between them: NZ$80,000 in KiwiSaver, AU$120,000 in savings, and a AU$950,000 first home in Sydney lined up.

The First Home Guarantee looked like the obvious path. It wasn't.
Most FHG Participating Lenders won't accept foreign income for serviceability. Her NZ salary couldn't be used. On his income alone, the AU$950k purchase didn't stack up. The scheme designed to help first home buyers was quietly shutting them out of the home they actually wanted.

At a different lender, with a different structure, the same couple could buy the property they had their eye on. Same family, same income, same KiwiSaver. The lender's choice decided the outcome.

--

I've just put together the full 2026 guide for Kiwis buying in Australia. It's the most complete piece I've written on this:

✅ How NZ income actually gets assessed
✅ What your KiwiSaver can do via FHSS
✅ First Home Guarantee changes that quietly rewrote the rules

If you're thinking about buying on this side of the Tasman, or you know a Kiwi family who is, this is the one to read.

Read it here: https://mortgages-plus.com.au/post/buying-property-australia-as-a-new-zealander

15/05/2026

Thank you for all the votes!

are finalists for the Northern Beaches 🙏🙏

Let’s go!

🩵



https://www.instagram.com/reel/DYYApnPSjPz/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==

13/05/2026

I’m excited to introduce the newest “silent partner” at Mortgages Plus - Albo! He might not write loans, answer emails, or sit in client meetings… but somehow he’ll still end up with a healthy slice of the pie 🤩

Building a business is no joke. There are nights working late, early mornings, and plenty happening behind the scenes to keep things moving forward.

And after all the hard work, it’s comforting to know our newest “shareholder” will always be there to collect his share of the profits - 47%

Funny how some partners contribute absolutely nothing… yet still somehow own half the operation.

Congratulations Albo and welcome to the Mortgages Plus team 💪

06/05/2026

A registered nurse came to us recently, looking to buy her first home for $720,000. The major bank she walked into quoted her $24,000 in Lenders Mortgage Insurance.

We took the exact same application to a lender whose medical professional policy includes nurses. Same income, same deposit, same property. The LMI charge: zero.

Total saved over the life of the loan: about $49,000.
Nothing about her changed. Just the lender.

If you're a doctor, nurse, dentist, vet or allied health professional buying or refinancing in Australia, which bank you walk into is worth real money. We've put together the full breakdown for 2026 — who qualifies, how the waivers actually work, and where the policies differ across lenders.

https://mortgages-plus.com.au/post/lmi-waivers-medical-professionals-australia

29/04/2026

Thanks for all the votes!

We are finalists ✅✅

21/04/2026

Proud to be in the running for the Northern Beaches Local Business Awards.

Professional Services.

Mortgages Plus – Manly.

I help people buy homes and reach their financial goals.

If I’ve helped you, I’d value your vote:
https://thebusinessawards.com.au/80307/mortgages-plus

Thank you.

C

17/04/2026

Best job in the world helping people get sorted..

03/04/2026

Australia Property Market Update – 31 March 2026

🏙️ Is Melbourne still a standout opportunity?
🏙️ It’s Australia’s second-largest city, yet it currently ranks near the bottom of the market and 63% of Sydney's value