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Adam at Personalised Mortgages

If you are looking to buy your first home through to more complex financing arrangements including b

16/09/2026

𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗽𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹? Have these five things ready and you'll move a lot faster:

𝟏. Last three months of bank statements (all accounts). 𝗪𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗲𝘀𝗲 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.
𝟐. Proof of income - payslips, or if self-employed, 𝘄𝗲'𝗹𝗹 𝘁𝗮𝗹𝗸 𝘆𝗼𝘂 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘄𝗵𝗮𝘁'𝘀 𝗻𝗲𝗲𝗱𝗲𝗱
𝟑. ID - passport or driver's licence
𝟒. Proof of your deposit source (savings, KiwiSaver, gift letter if it applies)
𝟓. A list of any other debt - car loans, credit cards, buy-now-pay-later

Get these together and send them our way - we'll take it from there.

14/09/2026

If your bank's letting you know your 𝗳𝗶𝘅𝗲𝗱 𝗿𝗮𝘁𝗲 is ending, you're one of a lot of people right now.

An estimated 68% of New Zealand's 𝗳𝗶𝘅𝗲𝗱-𝗿𝗮𝘁𝗲 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻𝘀 are due to reprice within 12 months of early 2026, as the higher rates locked in back in 2023 roll off. That's a huge wave of homeowners all facing the same decision at once - 𝗿𝗲𝗳𝗶𝘅 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗯𝗮𝗻𝗸, 𝗼𝗿 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 𝗳𝗶𝗿𝘀𝘁.

If your renewal letter has landed, it makes sense to have a second choice - so pick up with phone and we can help.

10/09/2026

"𝗪𝗲 𝘁𝗵𝗼𝘂𝗴𝗵𝘁 𝘄𝗲 𝗻𝗲𝗲𝗱𝗲𝗱 𝗮 20% 𝗱𝗲𝗽𝗼𝘀𝗶𝘁, 𝗯𝘂𝘁 𝘄𝗲 𝗱𝗶𝗱𝗻'𝘁."

This is an illustrative example based on how 𝗞𝗶𝘄𝗶𝗦𝗮𝘃𝗲𝗿 𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹𝘀 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗙𝗶𝗿𝘀𝘁 𝗛𝗼𝗺𝗲 𝗟𝗼𝗮𝗻 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗼𝗿𝗸 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿. A couple, both KiwiSaver members for over three years, used their KiwiSaver withdrawal as their 5% deposit and combined it with a government-underwritten First Home Loan through one of the participating banks. No 20% deposit needed.

𝗧𝗵𝗲 𝗰𝗼𝗿𝗲 𝗿𝘂𝗹𝗲𝘀: you need at least three years in KiwiSaver, you can withdraw almost your full balance (minus $1,000), and you intend to live in the home.
If you've been putting off buying because you think the deposit is out of reach, it might be closer than you realise.

Illustrative example. General advice only - eligibility depends on your KiwiSaver provider and individual circumstances.

02/09/2026

More listings hit the market every spring. The buyers who move fastest already have one thing sorted: 𝗽𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹.

At the end of July there were over 33,000 properties for sale across NZ, and spring usually adds even more. That's good news if you're house-hunting, but it also means more people looking at the same homes.

If you're pre-approved before the listings pick up, 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗺𝗮𝗸𝗲 𝗮𝗻 𝗼𝗳𝗳𝗲𝗿 𝘁𝗵𝗲 𝗱𝗮𝘆 𝘆𝗼𝘂 𝗳𝗶𝗻𝗱 𝘁𝗵𝗲 𝗼𝗻𝗲. If you're not, you're stuck waiting on paperwork while someone else signs.

Getting pre-approved takes one conversation to start. We'll walk you through exactly what's needed for your situation.

General advice only - every application is assessed on its own facts.

26/08/2026

We know. Nobody grows up dreaming of a career in mortgages.

But here we are - genuinely the kind of people who get excited when a client's pre-approval comes through, or when we find a rate that saves someone real money. Mortgages can feel intimidating from the outside. From where we sit, it's just problem-solving with a bit of paperwork attached.

If you've been putting off a chat because you're not sure it's the "right time" or you'll feel silly asking a basic question - there's no such thing as a silly question here.

Got one? Send us a DM, we love nerding out about this stuff 🙂

24/08/2026

"𝗜𝘀 𝗶𝘁 𝗲𝘃𝗲𝗻 𝘄𝗼𝗿𝘁𝗵 𝘁𝗵𝗲 𝗵𝗮𝘀𝘀𝗹𝗲?"She asked us that before we found her a better rate.

One of our clients had been with the same bank for six years and figured switching was more trouble than it was worth. We ran the numbers, compared what else was on the market, and moved her to a 𝗹𝗲𝗻𝗱𝗲𝗿 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮 𝗺𝗲𝗮𝗻𝗶𝗻𝗴𝗳𝘂𝗹𝗹𝘆 𝗹𝗼𝘄𝗲𝗿 𝗿𝗮𝘁𝗲 𝗽𝗹𝘂𝘀 𝗮 𝗰𝗮𝘀𝗵𝗯𝗮𝗰𝗸 𝘁𝗵𝗮𝘁 𝗰𝗼𝘃𝗲𝗿𝗲𝗱 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁𝗹𝘆 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝘀𝘄𝗶𝘁𝗰𝗵𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀.

𝗥𝗲𝘀𝘂𝗹𝘁: lower monthly repayments, and money back in her pocket for making the move.

(Illustrative example based on a real client scenario — details changed for privacy.)

If you haven't checked your rate in a while, it might be worth 15 minutes of your time.

19/08/2026

𝗬𝗼𝘂𝗿 𝗞𝗶𝘄𝗶𝗦𝗮𝘃𝗲𝗿'𝘀 𝗯𝗲𝗲𝗻 𝗾𝘂𝗶𝗲𝘁𝗹𝘆 𝗴𝗿𝗼𝘄𝗶𝗻𝗴 𝗳𝗮𝘀𝘁𝗲𝗿 𝘀𝗶𝗻𝗰𝗲 𝗔𝗽𝗿𝗶𝗹. Here's why that matters for your deposit.

The 𝗱𝗲𝗳𝗮𝘂𝗹𝘁 𝗞𝗶𝘄𝗶𝗦𝗮𝘃𝗲𝗿 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 𝗿𝗮𝘁𝗲 𝘄𝗲𝗻𝘁 𝘂𝗽 from 3% to 3.5% for both you and your employer from 1 April 2026. If you've been in KiwiSaver for at least 3 years, you can withdraw almost your whole balance for a first home - just $1,000 has to stay in.

Combine that with a Kāinga Ora First Home Loan and 𝐲𝐨𝐮 𝐜𝐨𝐮𝐥𝐝 𝐠𝐞𝐭 𝐢𝐧 𝐰𝐢𝐭𝐡 𝐚𝐬 𝐥𝐢𝐭𝐭𝐥𝐞 𝐚𝐬 𝐚 𝟓% 𝐝𝐞𝐩𝐨𝐬𝐢𝐭, 𝐢𝐧𝐬𝐭𝐞𝐚𝐝 𝐨𝐟 𝐭𝐡𝐞 𝐮𝐬𝐮𝐚𝐥 𝟐𝟎%.

Worth checking your balance and eligibility before you start house hunting.
General advice only - talk to us about your specific numbers.

17/08/2026

𝗠𝗼𝗿𝗲 𝗞𝗶𝘄𝗶𝘀 𝗮𝗿𝗲 𝘀𝘄𝗶𝘁𝗰𝗵𝗶𝗻𝗴 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 right now than almost ever before.

Roughly 𝗮 𝘁𝗵𝗶𝗿𝗱 𝗼𝗳 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻𝘀 𝗮𝗿𝗲 𝗱𝘂𝗲 𝘁𝗼 𝗿𝗲𝗽𝗿𝗶𝗰𝗲 by March 2026, and borrowers are shopping around at near-record rates - chasing better deals and cashback offers rather than just rolling over with their current bank.

If you haven't checked your rate in the last 12 months, 𝘁𝗵𝗲𝗿𝗲'𝘀 𝗮 𝗴𝗼𝗼𝗱 𝗰𝗵𝗮𝗻𝗰𝗲 𝘆𝗼𝘂'𝗿𝗲 𝗽𝗮𝘆𝗶𝗻𝗴 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼. Banks rarely offer their best deal to existing customers automatically - you usually have to ask, or switch.

Takes about 15 minutes to find out where you stand.

13/08/2026

𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: your borrowing power isn't just about deposit anymore.
Since 2024, banks have had 𝗱𝗲𝗯𝘁-𝘁𝗼-𝗶𝗻𝗰𝗼𝗺𝗲 (𝗗𝗧𝗜) limits to work within - 6 times your gross income for owner-occupiers, 7 times for investors. Your DTI counts the new mortgage plus your existing debt, but rental income counts in your favour too.
𝗚𝗼𝗼𝗱 𝗻𝗲𝘄𝘀: refinancing (without increasing the loan), new builds, and bridging finance are exempt from DTI restrictions.
Worth doing the maths before you go house-hunting, not after you've found the one.
General advice only - your numbers will differ, so let's run yours properly.

11/08/2026

"𝗠𝘆 𝗯𝗮𝗻𝗸 𝘀𝗮𝗶𝗱 𝗻𝗼." That's sometimes where our job starts.

One of our clients - 𝗮 𝘀𝗲𝗹𝗳-𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝗯𝘂𝗶𝗹𝗱𝗲𝗿, 𝘁𝘄𝗼 𝘆𝗲𝗮𝗿𝘀 𝗶𝗻𝘁𝗼 𝗵𝗶𝘀 𝗼𝘄𝗻 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 - went to his bank for a home loan and got knocked back. Standard bank criteria wants two full years of tax returns and doesn't always know what to do with income that varies month to month.

𝗪𝗲 𝗹𝗼𝗼𝗸𝗲𝗱 𝗮𝘁 𝗵𝗶𝘀 𝗳𝘂𝗹𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 - not just the tax return line - and matched him with a lender who actually works with self-employed borrowers. Approved.

(Illustrative example based on a real client scenario - details changed for privacy.)

Been told no before? That doesn't mean you're out of options. It might just mean you were talking to the wrong lender.

Address

161d Marua Road
Auckland

Telephone

+64275347824

Website

https://personalisedmortgages.co.nz/adam/

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