Emele Palamo - Mortgage Adviser Loan Market

06/08/2026

With over 28,000 properties currently listed for sale across New Zealand, the property market is giving buyers plenty of breathing room.

According to the latest data from Cotality, total stock levels remain high across the country, keeping the negotiating power firmly in the hands of buyers.

Instead of feeling pressured to make quick decisions, you have time on your side. That means extra space to organise thorough building inspections, sort out your finance conditions properly, and negotiate on price with confidence.

When property choices are high, patience and thorough prep work are your best advantages.

03/08/2026

Don't just auto-roll your mortgage when your fixed term comes up for renewal. Simply accepting the default rate in your banking app means missing a chance to structure your loan to suit your current financial goals.

Get in touch today to make sure your home loan is still working hard for you.
https://adviser.loanmarket.co.nz/emele-palamo/contact-us

31/07/2026

Thinking about buying a new home? The main question on everyone's mind is usually about their borrowing capacity.

It is a bit like a game of financial Jenga where balance is everything. Your income and savings build the tower up, while everyday expenses and debts pull pieces out.

To see how your financial tower stacks up, send us a message today.

28/07/2026

Shout out to everyone turning their daily commute into an art form just to get a foot on the property ladder. 🫡

Buying in a more affordable area is a massive win, even if it means finishing a couple of podcast episodes before you even get to your desk.

If you are looking at stepping into the market or exploring more affordable lifestyle options, we can help you map out a strategy that works for your budget.

What is keeping you entertained on your travel time this week?

27/07/2026

If you are looking for a simple way to make your budget work harder for your future, putting extra cash directly back into your mortgage is one of the smartest moves you can make.

Even small, regular extra payments have a massive compounding effect. For example, adding just an extra $100 a month to a typical loan can save you tens of thousands of dollars in interest over the life of your mortgage.

Every extra dollar you contribute goes straight toward paying down your principal balance, which means you instantly stop paying interest on that amount.

Click the link below to try our Extra Mortgage Repayments Calculator to run your own numbers and see how much you could save.

https://adviser.loanmarket.co.nz/emele-palamo/tools-help/extra-mortgage-repayments-calculator/

22/07/2026

The latest figures from Stats NZ show that the pace of household cost increases has continued to slow, providing some welcome relief after a tough few years.

Interestingly, household living costs are actually rising slower than the official inflation rate. This difference is largely driven by falling interest payments and lower borrowing costs for homeowners.

While everyday budgets are still under strain, this shift opens up a great opportunity to review your expenses and check if your current mortgage structure is still working hard for you.

Click the link below to read our latest blog post for the full data breakdown and some practical steps to help you get ahead financially.

https://adviser.loanmarket.co.nz/emele-palamo/blog/household-living-cost-pressures-continue-to-ease/

21/07/2026

20/07/2026

Has your home loan dropped behind the peloton? 🚲

Interest rates have shifted, lenders have moved, and many Kiwi borrowers haven't actually reviewed their mortgage since the day they settled.

A quick conversation with an adviser takes less time than watching a race stage recap, and it could help you secure a much better rate and shave years off your loan.

When was the last time you checked your rate? Talk to us about what is possible for your budget.

18/07/2026

If you have been holding off on selling your home because of a softer market, the latest numbers might surprise you.

According to Cotality’s latest Pain and Gain Report, nearly 88% of residential property resales still walked away with a gross profit last quarter. Homeowners who held onto their property for a median of ten years saw the greatest benefits.

If you are looking to sell and transition into your next place, unlocking that equity is just the first step. Talking to an adviser early ensures your finance is structured correctly so you can make your next move with total confidence.

Click the link below to read our latest blog post for the full market breakdown.

https://adviser.loanmarket.co.nz/emele-palamo/blog/vendors-still-making-profits-despite-softer-market/