Loan Market Queenstown

05/06/2026

Thinking about investing in property?

Whether you're buying your first investment property or growing your portfolio, getting finance approved comes down to more than just finding the right property.

Lenders will look at things like:
👉 Your deposit (typically around 30% for investors)
👉 Your income, expenses and existing debt
👉 Expected rental income
👉 Debt-to-income (DTI) requirements
👉 The type and location of the property
👉 Your overall investment strategy

If you're considering an Airbnb or short-term rental, lender policies can vary significantly, making expert advice even more important.

The good news? A little bit of preparation can go a long way. Building your savings, reducing unnecessary debt and getting the right advice before making an offer can help strengthen your borrowing position.

At Loan Market Queenstown, we help investors navigate lender requirements every day and can help you find a loan structure that suits your goals.

Read more and get in touch for a no obligation chat about your investment plans 👇

03/06/2026

Myth: Refinancing is only worth it for lower rates.

❌ BUSTED! While a lower interest rate can absolutely be a reason to refinance, it’s not the only one.

Refinancing can also help you restructure your lending to better suit your goals, whether that’s creating more flexibility, freeing up cash flow, consolidating debt, renovating, investing, or simply making your mortgage work smarter for your lifestyle.

Sometimes the “best deal” isn’t just about the lowest interest rate.�It’s about having the right structure in place for where you are now, and keeping the future in mind too.

👉 If it’s been a while since you reviewed your home loan, it could be worth checking whether your current setup is still working for you and your future goals.

A quick chat with the Loan Market Queenstown team could uncover options you didn’t even know were available. Click below to book your free chat today. 👇

https://adviser.loanmarket.co.nz/queenstown-and-central-otago/contact-us/

31/05/2026

We're closed for the King's Birthday holiday today, and our team will be back in the office tomorrow 👑

28/05/2026

When you work with us, we'll deal with all the different lenders for you - saving you time and stress, all while ensuring you get the best lending terms tailored to you!

27/05/2026

The Reserve Bank today decided to maintain the current Official Cash Rate at 2.25%.

It's expected that future increases will be required later this year to bring medium-term inflation back to the 2% target mid-point.

Not sure how this impacts you? Get in touch with our team today.

20/05/2026

The Queenstown Lakes property market has remained steady throughout April and into May, with attendance at both open homes and auctions remaining stable. Sales counts also remain steady, with the number of sales across the region, on par with this time last year.

Here's what you need to know about the market right now...

🏠 The average Queenstown home sold for $1,640,000 in April
⬆ This is up 7.5% on March and up 9.3% on this time last year
🏘️ There were 104 properties sold in the Queenstown District
🧍 First home buyers and owner occupiers were the most active in the market

👉 The takeaway?
While the local market remains steady, real estate agents are reporting a little more hesitation from buyers, due to the overseas conflict and increased living expenses. Stock levels remain high, with plenty of properties on the market, so if you are looking to buy there's certainly plenty of choice.

If you are looking to buy a property in 2026 or are beginning to plan ahead for 2027, get in touch - and the earlier the better! We can help you navigate the whole planning and lending process, so you are ready to move when the right home comes along.

Book your free chat with us today 👇
https://adviser.loanmarket.co.nz/queenstown-and-central-otago/contact-us/

Data source: REINZ

19/05/2026

Myth: If you’ve got student debt, you can’t get a mortgage....

❌ BUSTED! Having a student loan doesn’t automatically stop you from buying a home. In fact, most first-home buyers still have one when they enter the property market.

What lenders are really looking at is your overall financial position. Things like your income, expenses, savings habits, deposit, and existing debt all play a part.

This means sure, your student loan repayments can impact your borrowing power slightly, but it’s usually just one piece of the puzzle.... and not the total dealbreaker people often think it is.

👉 This is why getting advice early matters. Sometimes small changes can make a much bigger difference than you realise.

Worried student debt might be holding you back? Let’s chat about what your options could look like. Book your free appointment today 👇

https://adviser.loanmarket.co.nz/queenstown-and-central-otago/contact-us/

15/05/2026

Do you know if your KiwiSaver is working as hard as it could be?
For most Kiwis, the answer is probably no.

The good news? Sometimes just a few small changes can make a big difference to your long-term returns. A quick KiwiSaver review could be the difference between simply getting by in retirement… and having real financial freedom.

The best part? It’s completely free 👇

Why choose Loan Market? We’re not owned by a bank. We have access to over 20 lenders.

13/05/2026

A lot of people think going straight to their bank is the best option when it comes to getting a home loan.

But here’s the thing.... your bank can only offer THEIR products.

A mortgage adviser works differently. We work for YOU, comparing options across multiple lenders to help you find a solution that suits your goals, your lifestyle, and your long-term plans.

It’s not just about chasing the lowest interest rate either. The right loan structure can save you money, create flexibility, and set you up better for the future.

We’ll also guide you through the whole process, explain things clearly, handle the paperwork, and be there to answer any questions along the way.... making it all smooth and stress-free.

No matter whether you’re buying your first home, building, refinancing, investing, or just wanting to understand your options better, having the right advice tailored to you can make all the difference.

Thinking about your next move? Get in touch with the Loan Market Queenstown team for a free chat 👇

Get personalised, expert advice

11/05/2026

Yes, buying a home takes discipline.
No, you don’t need to survive off 2 minute noodles or say goodbye to everything fun

Here's the secret .... knowing where your money is going, cutting out what doesn’t matter, and keeping what does.

The goal isn’t to suffer your way to a deposit. It’s to build a plan you can actually stick to - and we can help you do just that.

If you're keen to buy your first home, get in touch with us asap. We can help you create a plan that works for getting you into a home, without all the sacrifices.

Book your free appointment with us today 👇

Get personalised, expert advice