Adam at Personalised Mortgages

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Adam at Personalised Mortgages

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

03/11/2026

Breakfast buffet > set menu. 🍳

Go direct to your bank and you’ll only ever see their menu: their rates, their policies, their way of doing things.

Different lenders offer different rates, policies, borrowing rules and more. My job is to lay the options out side by side and help you choose the one that suits you.

Buying your first home, moving, or coming up to a refix? Let’s see what’s on the table. DM me for a free call to see what’s on the menu for you.

(BTW I love hotel buffet breakfasts 😋)

02/11/2026

Thinking about buying the family home early next year?

November is the month to get the finance side moving. December disappears for most business owners, and January is busy for accountants too, with provisional tax due on 15 January for a lot of businesses.

Your part is small: a quick chat with me, and the okay for me to talk to your accountant. I'll handle the rest.

Then when you're ready to look in the new year, the paperwork's already done.

Send me a message and I'll get it started 👍

01/11/2026

One bank’s “no” is one point of view. 🔄
When you’re self-employed, lenders don’t all read your financials the same way. Some will add back things like depreciation and one-off costs, so your income can look stronger than your tax return suggests.
If you’ve been in business and you’re still renting, let’s look at your numbers from every angle. DM me to find out how.
(Filmed on an early walk in Milan. The office has a better view this week.)

30/10/2026

Buying your first home is not so different from taking off. Get all the preparation done and the rest is taken care of. If you want to see how close you are to taking off, DM me ‘lift off’ and we will get you on your runway to owning a home .

29/10/2026

Voting done. I don’t care who you vote for & im not sharing mine. But I do feel it’s important to get out & express our democratic right to vote. 👍

28/10/2026

Found a place you love at an open home? Here's what lets you act on it: pre-approval.

Pre-approval means a lender has looked at your income, spending and deposit and agreed in principle how much they'll lend. It usually comes with conditions, like a valuation on the home you choose.

With it, you can:
• Search in the right price range
• Make an offer with confidence
• Move quickly when a seller wants an answer

With Labour Weekend behind us and summer on the way, now's a good time to get it sorted.

Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

28/10/2026

A bit of a surprise from the Reserve Bank today!

The OCR stays at 2.75%, but don’t a mistake thinking that’s a signal that interest rates have peaked.

Inflation remains stubborn, and further increases are still on the table.

If your mortgage is coming up for refixing, it’s worth having a conversation before making your next move.

27/10/2026

OCR announcement day at 2pm. A little more on the announcement today given we are just over a week out from the tightest election fora while.

26/10/2026

The Reserve Bank announces its next OCR decision tomorrow (Wednesday 28 October) at 2pm. Do you know when your fixed rate ends?

That date matters more than the headline.

If you're on floating, OCR changes usually flow through fast. After the September rise, the big banks passed the full increase onto floating rates within days.

If you're fixed, nothing changes until your term ends. But tomorrow's decision can shape the rates on offer when you refix.

So take 30 seconds today: open your banking app and find your fixed rate expiry date. If it's within the next six months, that's your cue to start planning.

Want help making a plan? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

24/10/2026

Address

161d Marua Road
Auckland

Telephone

+64275347824

Website

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

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