Rob Gilfillan - The Mortgage Supply Co

18/08/2026

Peoples Choice Award? YES PLEASE! WE NEED YOUR HELP!

The 2 Degrees Peoples Choice Awards celebrates local businesses that make a positive impact on their communities, customers and staff.

We've made the shortlist - PLEASE VOTE FOR US!!! Link below :)
https://2daba.awardsplatform.com/entry/vote/vPRxPePZ/EGpaLZdg?search=af57d51b95d10c3c-1

16/08/2026

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 Rob Gilfillan
Your Local Mortgage Adviser
022 696 1122
[email protected]

20/07/2026

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.

Every market creates opportunities - it just depends on your goals.
Whether you’re buying, selling, investing or simply wondering what these changes mean for your own mortgage - I’m always happy to help make sense of it all.

Call Rob Gilfillan
Your Local Mortgage Adviser
022 696 1122
[email protected]

14/06/2026

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 how interest rates will rise in the near future.

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.

So what does this mean for you?

👉 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.
👉 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.

A mortgage review can improve cashflow, create certainty around future repayments, and highlight options you may not realise you have.

As a local mortgage adviser, I work for you — not the bank. I compare lenders, negotiate on your behalf, and guide you through the process from start to finish. Most importantly, I help build a lending strategy that supports your goals and adapts as life changes.

10/06/2026

Woop Woop 🥳

26/05/2026

🚨 Not a single NZ bank earned Consumer NZ’s People’s Choice Award this year. For the first time in a decade, every bank failed to meet the customer satisfaction threshold — and Kiwis are feeling it.

Kiwis are increasingly frustrated with rising costs, slow service, and the feeling that their bank isn’t offering real value — especially when it comes to interest rates and support during tougher financial periods. Adviser feedback mirrors this, with non‑bank lenders now outperforming many of the major banks across key lending measures.

Yet despite all this, only 4% of New Zealanders switched banks last year.

If your fixed rate is expiring soon, or you’re wondering whether your current lender is still competitive, this is the ideal time to review your options.

You’re not locked in. You’re not stuck. And you may have more flexibility than you think!

A refinance or refix review can help you:

☑️check whether your current bank is still offering sharp pricing

☑️compare bank vs non‑bank options side‑by‑side

☑️understand cashbacks, break costs, and restructuring options

☑️reduce monthly repayments or improve cashflow

☑️set up a structure that actually suits your goals

If you want clarity before making your next move, I’m here to help you assess the numbers and explore the alternatives — with no pressure and no obligation.

📩 Message me for a free refinance/refix check‑in.
A quick review now could save you thousands over the next few years.

Consumer NZ finds widespread dissatisfaction with fees, rates, and service across all banks

22/05/2026

Woop woop! Love working with first home buyers :)

20/05/2026

What Buyers and Borrowers Should Focus on Right Now:

New Zealand property values are continuing their gradual climb. The latest Cotality Home Value Index showed a 0.1% national increase in April (the third monthly increase in a row). The national median property value now sits at $809,101, up 0.6% compared to January.

Here in West Auckland, the median property value is now $920,149.

While the overall outlook remains cautious, current market conditions are still creating opportunities for buyers.
First Home Buyers continue to benefit from more stable property prices, KiwiSaver access, and the ongoing availability of low-deposit lending.
Investors are also beginning to return to the market, supported by lower mortgage rates compared to 2024 and improved cashflow positions.

What I’m seeing right now:
Clients are less focused on trying to predict exactly where the market or interest rates are heading next, and more focused on structuring things in a way that provides more flexibility, stability, and peace of mind.

Sometimes the right solution isn't the obvious one. It might mean restructuring to ease cashflow pressure, reviewing whether refinancing to another lender can open up better options or support future plans, or simply talking through your options so you can make a decision with confidence.
The good news is there's more than one way to approach your mortgage. Part of my role is helping you work through your options and figure out what actually makes sense for your situation. The right setup can help improve cashflow, reduce pressure, and create more certainty and confidence when it comes to your finances.

👉 If your fixed term is coming up, your finances have changed, or you simply want to check your current setup is working for you - Reach out and we'll take a look at your options.

Call Rob Gilfillan
Your Local Mortgage Adviser
022 696 1122
[email protected]

05/03/2026

01/03/2026

Happy Monday peeps - sharing our insights into what lies ahead in finance and property in 2026:

Moving further into 2026, the market continues to feel steady.

The Reserve Bank’s February announcement confirmed that the Official Cash Rate will remain at 2.25%. This means changes to mortgage rates will continue to be influenced by global and wholesale (swap) rates rather than the OCR itself.

Inflation is expected to trend back towards 2% over the next 12 months, which should give some relief to the cost of living. We’re also seeing economic growth, with lower interest rates supporting household and business spending.

In the property space, Cotality’s January Home Value Index shows that the national median property value in New Zealand is $802,617. Here in Auckland, the average value is currently $1,042,041.

What does this mean for you?
Reviewing your personal circumstances and goals is important when making financial decisions. Many of my clients are currently seeing value in considering 2-3 year fixed rate options.
With wholesale rates trending upwards and the OCR expected to increase over time, it’s worth considering where rates may be when short-term fixes expire. Locking in longer could protect you from higher rates and provide stability.

Economists are still predicting a 10% rise in property sales this year, and a potential 5% rise in the national median values. Activity across the market is increasing, creating opportunities for both buyers and sellers, including first-home buyers.

Right now, I’m helping my clients in three key areas:
👉Refix - Could breaking and refixing put you in a better or more stable position?
👉Refinance - Are you with the right lender? Cashbacks and product differences can make a move worthwhile.
👉Restructure - Is your loan set up to improve your cashflow, reduce interest, and support your goals?

Want me to run your numbers, review your options, or talk through your first or next move? I’m here to help.

Call Rob Gilfillan
Your Local Mortgage Adviser
022 696 1122
[email protected]