Andre Botha- Mortgage Specialist

Andre Botha- Mortgage Specialist This information is available in both electronic and hard copy.

Get in touch with me, if you want to consider your home loan options but you’re unfamiliar with the terminology, feel intimidated by the paperwork and don’t like dealing with banks. Contact me:

Andre Botha
Financial Adviser Mortgages and Investments
( FSP 610509)

ASA Investments Limited
Financial Advice Provider (FSP 726891)

[email protected]

Important information about our business, our

privacy statement, and privacy policy are available on request and free of charge. Any applications for finance resulting from this group are subject to meeting the lenders criteria and is subject to the lenders terms and conditions. The views and opinions expressed are those of Andre Botha and not necessarily those of ASA Investments Limited. Before making any investment, insurance or other financial decisions, you should consult a professional financial adviser.

Listen.I want to share something with you.I believe that people who are determined enough to build a better life for the...
02/06/2026

Listen.

I want to share something with you.

I believe that people who are determined enough to build a better life for themselves—and willing to take small, consistent steps even when it doesn't feel like much—are the ones who actually become homeowners.

That's who I'm here for.

And here's something I've noticed...

Most first-home buyers don't actually need more information.

There's already too much information out there.

What they really need is someone they feel safe trusting.

Because behind almost every first-home buying conversation is a couple quietly wondering things like:

"Are we making a mistake?"

"Can we actually afford this?"

"What if we get this wrong?"

"Are we wasting everyone's time?"

"Can we trust the advice we're being given?"

And you know what?

That part matters.

A lot.

See, when people buy their first home, they're not just choosing a mortgage.

They're choosing who they trust to guide them through one of the most emotional and financially stressful periods of their life.

That's why I've never believed mortgage advice should feel cold, transactional, or full of pressure.

People deserve:

✔ Honest answers
✔ Calm guidance
✔ Someone who listens properly
✔ And someone who tells them the truth — even when it's not what they hoped to hear

Sometimes my job is helping people buy now.

Sometimes my job is helping people realise they're closer than they think.

And sometimes... my job is helping people avoid making a decision too early.

That human side?

It matters more than ever.

Especially now that the internet is full of calculators, opinions, AI tools, and generic advice that all sounds the same.

That's also why I built Lucy — my AI first-home buying guide.

Not to replace human advice.

But to make the process feel a little less intimidating for people who are nervous, overwhelmed, or unsure where to start.

You can chat with Lucy here: https://www.lookahead.co.nz/firsthomeguide

Because at the end of the day, people don't just want information.

They want clarity.

They want reassurance.

And they want to feel like someone genuinely cares about helping them make a smart decision.

No pressure.

No judgment.

Just clarity.

Andre

Most buyers think the hardest part is saving the deposit.They're dead wrong.The real killer? Doing everything in the wro...
29/05/2026

Most buyers think the hardest part is saving the deposit.
They're dead wrong.
The real killer? Doing everything in the wrong order.
I see it every single day...
People walk into my office with solid income. They've saved their deposit. But they're STUCK.
Confused? Overwhelmed? Paralyzed?
Here's the brutal truth:
While you're figuring things out, someone else is buying YOUR house.

The 5-Step System That Actually Gets You Keys

𝗦𝘁𝗲𝗽 𝟭: 𝗞𝗻𝗼𝘄 𝗬𝗼𝘂𝗿 𝗥𝗘𝗔𝗟 𝗕𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗣𝗼𝘄𝗲𝗿
Not the online calculator guess. Your actual number based on income, debts, KiwiSaver, and the right bank.
𝗦𝘁𝗲𝗽 𝟮: 𝗚𝗲𝘁 𝗬𝗼𝘂𝗿 𝟲𝟬-𝟵𝟬 𝗗𝗮𝘆 𝗔𝗰𝘁𝗶𝗼𝗻 𝗣𝗹𝗮𝗻
Some buyers need application polish. Others can buy TODAY but don't know it yet.
𝗦𝘁𝗲𝗽 𝟯: 𝗚𝗲𝘁 𝗣𝗿𝗲-𝗔𝗽𝗽𝗿𝗼𝘃𝗲𝗱 𝗕𝗘𝗙𝗢𝗥𝗘 𝗬𝗼𝘂 𝗙𝗮𝗹𝗹 𝗶𝗻 𝗟𝗼𝘃𝗲
This is the step everyone skips. It's also what saves you from heartbreak when the perfect house appears.
𝗦𝘁𝗲𝗽 𝟰: 𝗟𝗲𝗮𝗿𝗻 𝘁𝗼 𝗠𝗮𝗸𝗲 𝗢𝗳𝗳𝗲𝗿𝘀 𝗧𝗵𝗮𝘁 𝗪𝗜𝗡
No more stuffing around while others swoop in.
𝗦𝘁𝗲𝗽 𝟱: 𝗠𝗮𝘀𝘁𝗲𝗿 𝗬𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆
Extra payments, mortgage types, future planning.
Time is Running Out
Every day you wait: • Interest rates change • Perfect houses sell • Opportunities vanish
I'll Analyze Your Numbers RIGHT NOW
Want to know exactly where you stand?
Do everything in the right order.

📞 Book Your FREE 30 Minute Consultation below: 🏠:
https://api.leadconnectorhq.com/widget/bookings/freeconsultnz
Andre

Let me guess.You're reading this late at night.Kids are finally asleep. Work emails are done.And you're sitting there wi...
27/05/2026

Let me guess.
You're reading this late at night.
Kids are finally asleep. Work emails are done.
And you're sitting there with a building inspection report that might as well be written in another language.
Or maybe it's the solicitor's email with terms like "chattels" and "LIM report" and "settlement statement."
And you're thinking:
"Is this supposed to be this hard?"
You're Not Just Buying a House
You're making the biggest financial decision of your life.
And you're doing it while navigating:
Solicitors who speak in legal jargon you've never heard before.
Real estate agents who work for the seller, not you.
Building reports that look like they're written in code.
Banks with approval criteria that seem to change daily.
Inspectors whose findings make you question everything.
All while working full-time.
Maybe raising kids.
Definitely feeling overwhelmed.
Am I right?
When you work with me, you don't just get someone who processes paperwork.
You get someone who:
Translates the jargon - I explain what your solicitor actually means in plain English.
Decodes the reports - I walk you through building inspections and what really matters.
Navigates the agents - I help you understand what's negotiable and what's not.
Coordinates everything - KiwiSaver withdrawals, bank timelines, inspection schedules.
Answers at 8pm - Because questions don't wait for business hours.
Think of me as your translator, your coordinator, your sounding board.
Your guide.
You're Not Alone in Feeling This Way
Every single one of the 100+ families I've helped felt exactly like you do right now.
But they all got through it.
Not because they suddenly became property experts.
But because they had someone walking beside them.
Explaining things clearly.
Answering questions patiently.
Making the complex feel simple.
You want someone who:
✓ Genuinely cares about your success
✓ Actually answers the phone
✓ Explains things in words you understand
✓ Supports you through every confusing moment
✓ Stays with you long after settlement
You need more than an adviser.
You need a guide.
Let's Start Your Journey.
I offer a free 30-minute video consultation .
Please book a meeting with me here:
No pressure. No obligation. No jargon.
Just honest conversation about where you are and where you want to be.
I will assess your situation and create actionable steps to get you into your first home.
Steps that make sense.
Steps you can actually take.
Steps that don't leave you feeling overwhelmed.

Andre

The biggest myth in the first-home buyer world?"You need 20% deposit to buy."I hear it all the time. And it stops people...
26/05/2026

The biggest myth in the first-home buyer world?
"You need 20% deposit to buy."
I hear it all the time. And it stops people from even exploring their options.
Here's the truth:
You don't always need 20%. There are multiple pathways to get approved with less — you just need to know which one applies to you.
Here are the 4 main ways:

1. First Home Loan (Kāinga Ora)
• Deposit: As low as 5%
• Income caps apply (but they're higher than most people think)
• Price caps vary by region
• Government backs part of your loan
• Perfect for first-home buyers who meet the criteria
Who it's for: First-home buyers earning under the income cap who are buying within the price cap.

2. Gift from Family
• You need to have saved 5% from your own funds
• Your family needs to complete a declaration
• Your family needs to clearly stipulate that the gift is not a loan
• Your family cannot have any rights to the property
Who it's for: First-home buyers who can get a gift from family and who has saved 5% of the purchase price.

3. 10% Deposit (Standard Low Equity Loan)
• Most banks allow 10% deposit for first-home buyers
• You'll pay a Low Equity Premium (LEP)
• One bank even offers 5% deposit home loans
• No income or price caps
• More flexibility than government schemes
Who it's for: First-home buyers who don't qualify for government schemes or are buying above the price cap.

4. Family Guarantor
• Parents or family guarantee part of your loan
• Can get approved with as little as 0-5% deposit
• No LEP in most cases
• Requires proper legal structuring
Who it's for: First-home buyers whose family can help without giving cash.
Here's what most people don't realize:
You might qualify for more than one pathway.
And the "best" option isn't always obvious — it depends on your income, the property price, your KiwiSaver balance, and your long-term plan.
That's why I built the Home Readiness Calculator .
It shows you:
• What you can be approved for right now
• Which pathway applies to you
• What deposit you actually need (not always 20%)
• What needs to happen to get approved for more

No guessing. Just real numbers.
Want to see where you stand?
Message me.

Andre

I had a family reach out to me a few months back.Mum, dad, their son, and his wife.They wanted to buy a home together.Bu...
25/05/2026

I had a family reach out to me a few months back.
Mum, dad, their son, and his wife.
They wanted to buy a home together.
But every time they tried to figure it out, they just hit a wall.
"This feels too complicated."
"We don't even know if the bank will let us do this."
"Maybe it's just not possible."
To be honest… I see this all the time.
People think their situation is too messy or too different, so they don't even try.
But here's the thing…
It's usually not as complicated as it feels.
It just needs to be structured properly.

So we sat down.
I asked them to walk me through everything.
Incomes. KiwiSaver balances. What they were thinking in terms of budget.
And yeah — four people buying together does add some complexity.
But it's not impossible.
Most brokers would've just taken their details, submitted an application, and hoped for the best.
That's not how I work.

We mapped the whole thing out first.
How to structure the loan so the bank would actually look at it properly.
What documents we'd need from each person.
How their combined KiwiSaver would work.
What their realistic borrowing capacity was as a group.
I walked them through every step — so they knew exactly what was happening and why.
No surprises. No confusion.
Just a clear plan.

Six months later?
They're in their home.
Two generations under one roof.
And what felt "impossible" at the start ended up being completely doable.
They just needed someone to show them how.

Here's what most people don't realise…
Most mortgage adviser focus on getting you approved.
I focus on getting you into a position where you can actually buy.
That means understanding your full situation.
Structuring things properly from the start.
And walking you through the process so nothing feels overwhelming.

If you've been putting this off because it feels too hard…
Or your situation feels a bit different…
Or you just don't know where to start…
Let's just have a chat.

Book a FREE 30 minute consultation with me here:

https://api.leadconnectorhq.com/widget/bookings/freeconsultnz

You might be in a better position than you think.

Andre

You're paying rent every month. On time. Every month.But you look at your savings and think:"Will I ever have enough?"He...
22/05/2026

You're paying rent every month. On time. Every month.
But you look at your savings and think:
"Will I ever have enough?"

Here's what most people don't realize:
If you're already paying rent consistently, you're actually proving something really important to the banks.
You're demonstrating repayment behaviour.
And that matters more than you think.
I see this all the time:
People assume they need to completely change their life before they can buy.
Earn more. Save perfectly. Wait until everything feels "ready."
But that's not what banks are actually looking for.
They're looking for evidence.
Evidence that you can manage regular payments. Evidence that you're consistent. Evidence that you're structured.
And if you're paying rent? You're already doing that.

Here's something I often suggest to clients:
Treat your rent like a rehearsal.
Take what you're already paying and add a small top-up—even $50 or $100 a week—into a separate savings account.
Not because it's about the amount.
Because it builds:
✅ Consistency
✅ Structure
✅ A track record
And those are the things that turn "I hope I can buy one day" into a clear, workable plan.
I had a client recently who started doing this.
She was paying $550 a week in rent and thought she was years away from buying.
She added $100 a week to a separate account. Just $100.
Six months later, we ran the numbers and she realized she was way closer than she thought.
She's now settled in her own home.

You're already proving you can do this.
Want to understand how the process actually works?
👉 Chat with Lucy (my free AI First Home Buyer Assistant): https://www.lookahead.co.nz/firsthomeguide
She's available 24/7 to answer your questions about the home-buying process in plain English. No email required. No judgment. Just clarity.

Then, if you want to see your actual numbers—what you can borrow, what you need to save, and how close you actually are:
Just reply to this post or send me a message and I'll run them for you.
Don't wait another year wondering.

👉 Save this post and add $50-$100 a week to a separate account for the next 30 days.
Then come back and tell me: did it feel different knowing you were building toward something?

Drop a comment below—I'll reply to every one.

Andre

You've been Googling for weeks.Watching YouTube videos. Asking friends.But you're still left with questions:"Do I actual...
21/05/2026

You've been Googling for weeks.
Watching YouTube videos. Asking friends.

But you're still left with questions:
"Do I actually have enough deposit?"
"What if the bank says no?"
"Am I even ready to buy?"
And the worst part?
You don't want to waste an adviser’s time with "basic questions"—so you keep researching, keep guessing, and keep paying rent.

Here's the thing:
Most advisers focus on one thing: getting you approved.
But getting approved isn't the goal.
Getting the right loan—one that actually works for your life—is.
That means looking at the full picture:
✅ Where you are in life
✅ How stable your income is
✅ How comfortable you are with risk
✅ Whether you're buying on your own or with family
And sometimes, it means saying: "Not yet."

Because the right time to buy isn't just when a bank says yes.
It's when the numbers—and the person—are ready.

I had a couple reach out recently who thought they were years away.
They'd been researching for months but had no idea where they actually stood.
They chatted with Lucy (my free AI First Home Buyer Assistant) first to get some clarity.
Then we jumped on a call and ran the numbers.
Turns out they were way closer than they thought.
They're now settled in their home.
Most people are closer than they think.

Want to find out where you stand?
👉 Lucy's here to help: https://www.lookahead.co.nz/firsthomeguide
She's available 24/7, answers your questions in plain English, and there's no judgment—just clarity.
No email required. No obligation. Just honest answers.

Or drop a comment below:
What's the #1 thing stopping you from buying right now?
I'll reply to every single one.

Andre

Another one of our client reviews just came through 👆I see this all the time - people who think homeownership is out of ...
21/05/2026

Another one of our client reviews just came through 👆

I see this all the time - people who think homeownership is out of reach, then a few months later they're holding the keys to their own place.

That's the part I love most about this job.

If you've worked with me and want to share your experience, drop a Google review - it genuinely helps other first-home buyers who are just starting out.

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