The Loanary

The Loanary We are here to focus on you & your financial needs. Financial Services Provider (FSP): FSP1000973.

We're here to guide you every step of the way from home loans, investment properties, business finance and commercial property loans to asset finance. FSP Name: THE LOANARY LIMITED

NZBN: 9429048975353

Trading As The Loanary

FSP Registration Date
27-Oct-2021

The Loanary Limited (FSP1000973 ) is an Authorised Body under full licence with NZ FINANCIAL SERVICES GROUP LIMITED (FSP286965) (NZBN: 94

29030335615)

All of our publicly available Information & privacy policy can be found on our website: https://www.theloanary.co.nz/

Should I buy now or wait?”It’s one of the biggest questions first-home buyers are asking in 2026.The reality is there’s ...
19/05/2026

Should I buy now or wait?”

It’s one of the biggest questions first-home buyers are asking in 2026.

The reality is there’s rarely a “perfect” time to buy. Trying to pick the absolute top or bottom of the market can be difficult, and for many people the better question is: Am I financially ready and does this fit my long-term goals?

The current market is giving first-home buyers something they haven’t always had — more choice and more time to make decisions.

Rather than feeling pressured into making rushed decisions, buyers have more opportunity to focus on finding the right property.

For first-home buyers, some key considerations include:

✔️ Can you comfortably manage repayments if interest rates move?
✔️ Are you buying with a longer-term mindset?
✔️ Does the property suit your lifestyle and future plans?
✔️ Are you looking beyond just the purchase price and considering factors like location and long-term value?

At The Loanary, while many people know us for business lending, we also assist with mortgage lending and support first-home buyers through the process.

We work with both bank and non-bank lenders and help clients understand their options, structure lending correctly, and secure the right solution for their circumstances.

Buying your first home is one of the biggest financial decisions you’ll make, and having the right advice and lending strategy can make a real difference.

Speak to our experienced Financial Advisors when looking to buy a home.
Alan Groat Barry Mitchell Harpreet Sekhon Vathsala Balachandran Simon Parr and Sally Kennedy.

13/05/2026

LinkedInLocal Auckland - great networking and learning events.

Rates back in focus for housingThe latest update from the Reserve Bank of New Zealand held the OCR at 2.25%, but the ton...
14/04/2026

Rates back in focus for housing

The latest update from the Reserve Bank of New Zealand held the OCR at 2.25%, but the tone has clearly shifted and the housing market is taking notice.

Here are the key signals this week:

1. Inflation risks are building

The Reserve Bank is looking past short term fuel spikes but is increasingly concerned about second round inflation, where higher costs flow into wages and broader prices.
That is the real trigger for rate hikes.

2. Economists split on the rate path

The outlook is no longer aligned. ANZ Aotearoa is forecasting three consecutive OCR hikes in July, September and October, taking the rate to around 3%.

But Kiwibank is pushing back, warning that such an aggressive approach could be reckless and risk tipping the economy back into recession.

3. Borrowers are already positioning

This is not catching households off guard.
More than half of new mortgages are being fixed for longer than a year, with strong demand for two year terms. A clear signal borrowers expect higher rates ahead.

4. Build costs steady for now
Construction costs remain relatively contained and below long term averages.
But with fuel and transport pressures building, this could shift quickly.

5. Data will be key this week

Upcoming data on spending, services and prices is likely to show a softer economy but firmer inflation. That combination keeps pressure on the Reserve Bank

Bottom line
The housing market is entering a more delicate phase.
With economists divided, the key question is no longer if rates rise, but how fast and how far.

Vathsala Balachandran Harpreet Sekhon - Mortgage Adviser Alan Groat Barry Mitchell Harpreet Sekhon

Between inflation and uncertainty the Governor’s path ahead isn’t straightforwardWith the OCR decision front of mind thi...
06/04/2026

Between inflation and uncertainty the Governor’s path ahead isn’t straightforward

With the OCR decision front of mind this week, the balancing act for Anna Breman is becoming increasingly complex.

The consensus view is that the Reserve Bank will hold for now. But beyond that, the outlook is far less aligned.

Some economists are signalling that the next move is up, with inflation risks lingering. Others see a more subdued path, with rates stabilising or even easing if growth continues to soften.

That divergence tells its own story.

The housing market reflects this uncertainty. While we’ve seen modest price growth in recent months, momentum looks vulnerable.

Confidence remains cautious, employment signals are mixed, and the broader economic backdrop is far from settled.

At the same time, there are pockets of resilience. Construction activity is lifting, and borrowers are increasingly fixing for longer terms, particularly around two year rates, as they look to balance certainty with flexibility.

The common thread is clear. This is a finely balanced environment.

Holding the OCR may be the easy call this week. Interpreting what comes next is where it gets difficult.

Need to discuss Interest rates , structuring of your lending or looking to lend speak to our experienced team.
Vathsala Balachandran Harpreet Sekhon - Mortgage Adviser Barry Mitchell Alan Groat Mark Hill-Rennie Harpreet Sekhon

22/03/2026

Great to see one of our clients progressing their latest housing development in Ōtāhuhu.

This boutique project features eight brand-new, architecturally designed three-bedroom townhouses, currently under construction at 166 Princes Street East.

Designed with modern living in mind, these homes are warm, dry, and energy-efficient, offering easy motorway access and just a short walk to Seaside Park.

Ōtāhuhu continues to evolve as a vibrant, family-friendly community, with strong fundamentals supporting future capital growth.

Property Highlights:

• Architecturally designed three-bedroom townhouses

• Warm, dry, energy-efficient modern construction

• Completion due July 2026

• 5% cash deposit available to approved purchasers

• Support available through Kāinga Ora First Home Loan (conditions apply)

The team at The Loanary can also assist with funding to secure a property in this development.

Get in touch with Alan Groat , Vathsala Balachandran , Harpreet Sekhon - Mortgage Adviser , Barry Mitchell

to discuss your options and register your interest via the link below. 👇

https://fruitionhomes.co.nz/

Something big has quietly happened in New Zealand lending over the past decade.Mortgage advisers have gone from a second...
14/03/2026

Something big has quietly happened in New Zealand lending over the past decade.

Mortgage advisers have gone from a secondary channel… to one of the primary ways banks distribute lending.

Recent research shows around 66% of new home lending in New Zealand now goes through advisors, up from less than 30% about ten years ago.

That’s a remarkable shift.

But it reflects how the role of advisors has evolved.

Today it’s not just about arranging a mortgage.

Borrowers want:
• Choice across multiple lenders
• Help navigating increasingly complex lending rules
• Strategic advice on how to structure finance

And the shift is still continuing.

Another trend we are seeing is the expansion of advisors into more specialised business finance which the Loanary team has a huge amount of experience in.

Traditionally mortgage advisors focused mainly on residential lending.

Increasingly advisors are involved in:

• Business lending
• Commercial property finance
• Property development funding
• Specialist and non-bank lending

These transactions often require strong relationships with Business and Commercial Bankers across multiple banks, along with access to specialist lenders operating outside the traditional retail banking channel.

The team at The Loanary are who you should be talking to for this more complex business lending.
Alan Groat Harpreet Sekhon - Mortgage Adviser Harpreet Sekhon Vathsala Balachandran Barry Mitchell Mark Hill-Rennie

Happy Chinese New Year to all our clients who are celebrating this week.All the best for the year of the Horse.🐎Enjoy th...
16/02/2026

Happy Chinese New Year to all our clients who are celebrating this week.

All the best for the year of the Horse.🐎

Enjoy the celebrations but dont overdo it like this traditional dragon dancer at a function GM Mark attended a few years ago. 😂

At The Loanary, we arrange a wide range of development funding, but we wouldn’t be involved in projects of this scale.Ou...
29/01/2026

At The Loanary, we arrange a wide range of development funding, but we wouldn’t be involved in projects of this scale.

Our sweet spot is helping developers source funding in the $1m to $50m range (and sometimes beyond).

We work with all the major banks and, increasingly, a growing range of specialist development funders to structure the right solutions for each project.

If you’re exploring funding options, talk to the team at The Loanary.

We arrange finance for business, commercial property, residential property, and both residential and commercial development projects.

Happy to have a chat.
Harpreet Sekhon - Mortgage Adviser Vathsala Balachandran Alan Groat Barry Mitchell Mark Hill-Rennie Harpreet Sekhon

A solid recovery is taking shapeANZ’s take on the latest NZIER survey broadly confirms what its own data has been showin...
16/01/2026

A solid recovery is taking shape

ANZ’s take on the latest NZIER survey broadly confirms what its own data has been showing – business confidence has lifted meaningfully and momentum is building.

The Q4 survey points to improving trading activity, stronger investment intentions, and increased hiring as spare capacity in the economy continues to be absorbed.

Cost and pricing pressures remain relatively contained, and with the Reserve Bank expected to hold the OCR, there is growing certainty for businesses and investors looking ahead.

At The Loanary, this aligns closely with what we’re seeing on the ground.

Activity lifted through November and December, and since returning in early January we’ve seen strong enquiry across:

• Business purchases and growth funding

• Asset finance

• Property development – both commercial and particularly residential

• Commercial and residential property purchases

There’s a clear shift from caution to confidence. This isn’t a boom, but it is a broad-based recovery, and the momentum feels genuine.

If you’re thinking about funding to support business growth or property investment, the team at The Loanary is happy to talk.

Harpreet Sekhon Harpreet Sekhon - Mortgage Adviser Alan Groat Barry Mitchell Vathsala Balachandran
Mark Hill-Rennie giving the thumbs up

Sunrise over Auckland signals early positive momentum in the property marketThe latest QV data shows national residentia...
16/01/2026

Sunrise over Auckland signals early positive momentum in the property market

The latest QV data shows national residential property values rose 1.1% in the December quarter, with growth now spreading across multiple regions.

Auckland is seeing growth, with values up 0.8% over the quarter and increased activity at the upper end helping support overall prices.

While the market remains well below the 2022 peak, buyers are taking a measured approach — seeking quality properties, realistic pricing, and longer-term stability.

High housing supply gives buyers more choice, which is also supporting affordability.

Planning a move in 2026? The team at The Loanary can structure the funding so you’re ready to act.

Harpreet Sekhon - Mortgage Adviser Harpreet Sekhon Alan Groat Vathsala Balachandran Barry Mitchell

Address

142A Aberdeen Road
Auckland
0620

Telephone

+64800782555

Website

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