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/

11/06/2026

Childcare Centre Funding – Experience Matters

When it comes to childcare centre funding, experience and industry knowledge can make all the difference.

One of our Directors, Barry Mitchell , has built an outstanding reputation in this sector through decades of banking and mortgage advisory experience. Having been involved in funding more than 1,000 childcare centre transactions, Barry brings a depth of knowledge that few can match.

Whether you're looking to purchase an existing childcare centre, expand your current operation, or establish a new centre from the ground up, Barry understands the opportunities, challenges, and funding requirements unique to the industry.

Just as importantly, he has developed strong relationships and connections across the childcare sector, helping clients navigate the process with confidence.

If you're considering a childcare investment or need funding advice, we'd be happy to have a conversation about how we
can help Mark Hill-Rennie Harpreet Sekhon Vathsala Balachandran Alan Groat

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

Address

142A Aberdeen Road
Auckland
0620

Telephone

+64800782555

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