Peter Singh Mortgage Adviser- Moneyplant

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Peter Singh Mortgage Adviser- Moneyplant

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Whether you are buying your first home, an Investment property, renewing your loan or need a busines

30/09/2026

Latest episode of The Moneyplant Podcast coming out tomorrow!

Peter and Kyle discuss whats happening in the headlines and what Peter is seeing with his clients.
First home buyers, Refinance, Cashbacks - what's really happening out there?

Have some questions of your own? DM us and we'll include them in the next update.

13/09/2026

Mortgage quickfire questions part 2 - with Peter and Jashan.

Got more questions that haven't been answered? Give us a call on 0800 28 28 00 or leave them in the comments.

04/09/2026

Asking the tough questions this Friday 🫡
Which bank product would YOU be?

Have a great weekend, everybody!

03/09/2026

Congratulations to this lovely young family on purchasing their first home!

Peter was the third and final adviser they met before choosing to work with us. We always say that we go beyond transactions, and we really mean it.

Thank you for trusting us to be part of your journey.

03/09/2026

"Why work with a mortgage broker?" We get this question a lot.

The simple answer and one of the reasons? We do the heavy lifting for you.

Every bank has different lending policies and appetites that change constantly. Because we’re across all major lenders all day, every day, we know exactly how to structure your application and which bank is going to give you the best deal.

We handle the paperwork and negotiate on your behalf so you can skip the stress and keep the excitement of buying your home - just like Virendra did!

Refinancing, buying your first home, or stepping into your next? Give us a call on 0800 28 28 00.

03/09/2026

Does the OCR control all mortgage rates?

Myth: When the Reserve Bank changes the Official Cash Rate (OCR), every single mortgage rate goes up or down by the exact same amount.

Fact: The OCR mostly controls short-term rates, but long-term rates are influenced by something called swap rates.

Short-Term Rates (Floating & 1-Year Fixed)
Think of the OCR as the wholesale price banks pay to borrow cash overnight.

If the OCR goes up, floating and 1-year rates usually go up in anticipation or after because it gets more expensive for banks to lend you money today.

Long-Term Rates (3 to 5-Year Fixed):
Global Influence: Banks fund long-term fixed loans by borrowing from global financial markets. What happens to interest rates in the US or Europe matters more to a 5-year rate than what our Reserve Bank does.

Long Game: A 5-year rate is an average guess of where the economy will be half a decade from now. A quick change to the OCR today usually gets smoothed out over that long period.

Already Baked In: Markets constantly look ahead. By the time the OCR actually changes, the long-term rates have usually already adjusted months in advance.

Regardless of the OCR, we still believe the best approach is to have the right structure in place for your situation. DM us.

03/09/2026

Peter Paaji is always calm under pressure! Even when the pressure is coming from us 😂

Have a great Friday and Weekend ahead, everyone!

25/08/2026

We call the professionials when we need help or advice.

Looking at buying your first, next or investment property?

You need finance, call the professionals 😉

25/08/2026

Myth: "If my offset account is fully offset, my mortgage repayments on that portion stop!"

The Reality: Your repayments keep going, but instead of paying interest, 100% of those repayments go straight toward paying down your principal!

This is why offset facilities are so powerful -you keep full access to your funds while crushing your mortgage significantly faster.

Have questions about setting up an offset account? Drop a comment below or send us a message!

Address

Auckland

Telephone

+642041111101

Website

http://www.moneyplant.co.nz/

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