Ben Konings - The Mortgage Supply Co

27/08/2026

How it goes when someone decides not to use a mortgage adviser (probably)

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26/08/2026

25/08/2026

How much do you need to buy your first home? If you don’t have 20% it’s still possible!

22/08/2026

There are still positive signs in the finance space, and while the property market continues to move at a slower pace, it remains buyer friendly.

Cotality’s latest data shows property values fell 0.3% in July, taking the quarterly decline to 1.0% and the annual decline to 0.7%.
The national median value now sits at $804,303. Here in West Auckland, the average value is $889,333.

First home buyers remain active, making up 27% of property purchases in Q1 2026. Investors are also starting to return, accounting for around 24% of activity, largely driven by smaller investors purchasing their second property.

For prepared buyers, the current market continues to create opportunities. Higher listing levels and subdued prices can mean more choice and room to negotiate, particularly for those with their finances organised and pre-approval in place.

A few things I’m seeing right now:

👉 Refinancing is back on the table
Some lenders are offering competitive cashback incentives to attract new customers. If you’re coming off a fixed rate or considering a change, it’s worth looking beyond the interest rate. Cashback, fees, loan structure and your longer-term plans all matter.

👉 Renovations are being planned
We’re seeing homeowners getting plans underway, with consent applications being submitted ahead of the summer building season. Getting your finance sorted early can help you understand what you can afford and identify any potential funding gap before committing.

👉 Debt consolidation
We’re having more conversations around consolidating debt. Where appropriate, rolling personal loans into a home loan can simplify finances and potentially reduce monthly repayments.

What’s next?

The next OCR announcement is scheduled for 2 September, with the election also just around the corner. Both will be closely watched as we head into the final part of 2026.

With plenty happening in the market, being prepared will make a difference. If you’re thinking about buying, refinancing, renovating or consolidating debt, now is a good time to check your numbers, understand your borrowing power and make sure your lending is set up for what’s next.

Call Ben Konings
Your Local Mortgage Adviser
022 077 0101
[email protected]

10/08/2026

28/07/2026

Mortgage Market Update: What homeowners should know right now Ben Konings - The Mortgage Supply Co

If you've been keeping an eye on the news lately, you've probably seen plenty of headlines about interest rates, inflation, the property market, and ongoing economic uncertainty. While it's easy to get caught up in the noise, there are still opportunities for homeowners who take a proactive approach.

The Reserve Bank recently announced that the Official Cash Rate (OCR) will hold at 2.25%. While there was no increase, the announcement carries a strong message about where interest rates could be heading next.

At the same time, the property market appears to be in a more balanced phase. Recent Cotality data shows that the national median property value remained unchanged in May at $808,187. Here in West Auckland, the median property value is $910,416.

So what does this mean for you?
The good news is that there is still time to get ahead of any potential changes.
- If your mortgage is due to come off its fixed rate in the next 3 to 6 months, now is an ideal time to review your lending and explore your options.

With a balanced property market, buyers and sellers can make more considered decisions without the pressure of rapid price movements experienced in recent years. Rather than trying to predict where interest rates or house prices will go next, focus on making sure your mortgage is set up to support your goals.

The key message from us: Don’t panic, but don’t ignore it either.

And this is where a mortgage adviser can help.

As a local mortgage adviser, I work for you, not the bank. I compare lenders, negotiate on your behalf, and help navigate the process from start to finish. More importantly, I work alongside my clients to create a lending strategy that supports their goals and adapts as life changes.

Call Ben Konings
Your Local Mortgage Adviser
0204 1122 481
[email protected]

19/07/2026

The latest Cotality Home Value Index shows that national home values slipped 0.2% in June.
The national average is now $806,512. Figures are being heavily influenced by Auckland and Wellington, but throughout the rest of the country the picture is much more mixed.
Here in West Auckland, the average property value is $900,441.

Adding to the conversation this month, the Reserve Bank increased the Official Cash Rate (OCR) by 0.25%, taking it to 2.25%. Whilst an OCR increase is never the headline homeowners hope for, it reinforces the Reserve Bank’s focus on bringing inflation back under control while supporting economic stability.

For homeowners, it’s a timely reminder that being proactive can make a real difference. Reviewing your fixed rate, considering extra repayments, and planning ahead for your next refix are small changes that can have a meaningful impact over the life of your mortgage.

For example, if your fixed rate is due to expire soon, now is a good time to reach out. Reviewing early gives you more time to compare your options, ensure your lending still suits your goals, and make any changes that could help - whether that’s paying your mortgage down faster or adjusting repayments to better support your cashflow.

Today's market continues to offer plenty of choice and negotiating power. First home buyers in particular are making the most of these conditions.
For all homeowners and investors, it’s still a market that rewards patience, and there are encouraging signs, such as easing longer-term mortgage rates and improving global stability.

10/07/2026

Happy Matariki New Zealand! This week RBNZ lifted the OCR to 2.5%. While an OCR increase is never the headline homeowners hope for, and some are calling it unnecessary; the logic is that this will assist in bringing inflation back under control, and it's expected that this will continue to decrease over the coming year. The most important thing in any circumstance is to take control of your financial future, get good advice and be prepared for what is coming. Reach out for a no-obligation review today!
022 077 0101
[email protected]
www.calendly.com/ben-msc

10/06/2026

Happy to report the Mortgage Supply Company has kept NZA Top Brokerage award in 2026! This is the third year in a row. Always grateful for all your support!

21/05/2026

Something a "bit different" or "complex". No problem!