Brad Jones - The Mortgage Supply Co

17/08/2026

There are still positive signs in the finance space, and while the property market continues to move at a slower pace, it remains buyer friendly.
Cotality’s latest data shows property values fell 0.3% in July, taking the quarterly decline to 1.0% and the annual decline to 0.7%.
The national median value now sits at $804,303. Here in West Auckland, the average value is $889,333.
First home buyers remain active, making up 27% of property purchases in Q1 2026. Investors are also starting to return, accounting for around 24% of activity, largely driven by smaller investors purchasing their second property.
For prepared buyers, the current market continues to create opportunities. Higher listing levels and subdued prices can mean more choice and room to negotiate, particularly for those with their finances organised and pre-approval in place.
A few things I’m seeing right now:
👉 Refinancing is back on the table
Some lenders are offering competitive cashback incentives to attract new customers. If you’re coming off a fixed rate or considering a change, it’s worth looking beyond the interest rate. Cashback, fees, loan structure and your longer-term plans all matter.
👉 Renovations are being planned
We’re seeing homeowners getting plans underway, with consent applications being submitted ahead of the summer building season. Getting your finance sorted early can help you understand what you can afford and identify any potential funding gap before committing.
👉 Debt consolidation
We’re having more conversations around consolidating debt. Where appropriate, rolling personal loans into a home loan can simplify finances and potentially reduce monthly repayments.
What’s next?
The next OCR announcement is scheduled for 2 September, with the election also just around the corner. Both will be closely watched as we head into the final part of 2026.
With plenty happening in the market, being prepared will make a difference. If you’re thinking about buying, refinancing, renovating or consolidating debt, now is a good time to check your numbers, understand your borrowing power and make sure your lending is set up for what’s next.

20/07/2026

The latest Cotality Home Value Index shows that national home values slipped 0.2% in June.
The national average is now $806,512. Figures are being heavily influenced by Auckland and Wellington, but throughout the rest of the country the picture is much more mixed.
Here in West Auckland, the average property value is $900,441.

Adding to the conversation this month, the Reserve Bank increased the Official Cash Rate (OCR) by 0.25%, taking it to 2.25%. Whilst an OCR increase is never the headline homeowners hope for, it reinforces the Reserve Bank’s focus on bringing inflation back under control while supporting economic stability.

For homeowners, it’s a timely reminder that being proactive can make a real difference. Reviewing your fixed rate, considering extra repayments, and planning ahead for your next refix are small changes that can have a meaningful impact over the life of your mortgage.

For example, if your fixed rate is due to expire soon, now is a good time to reach out. Reviewing early gives you more time to compare your options, ensure your lending still suits your goals, and make any changes that could help - whether that’s paying your mortgage down faster or adjusting repayments to better support your cashflow.

Today's market continues to offer plenty of choice and negotiating power. First home buyers in particular are making the most of these conditions.
For all homeowners and investors, it’s still a market that rewards patience, and there are encouraging signs, such as easing longer-term mortgage rates and improving global stability.

Every market creates opportunities - it just depends on your goals.
Whether you’re buying, selling, investing or simply wondering what these changes mean for your own mortgage - I’m always happy to help make sense of it all.

13/07/2026

So proud of these two. A couple of weeks ago both of them took part in the Shave For A Cure event held at their school. Organised by my son the whole school got behind them coming to school with crazy hair and making donations to a great cause.

05/07/2026

2026 Top 25 Broker award! 🏆

I'm very honoured to be recognised for this award.

This is an award based on feedback from clients, so thank you to all of my clients for their positive comments.

15/06/2026

If you've been keeping an eye on the news lately, you've probably seen plenty of headlines about interest rates, inflation, the property market, and ongoing economic uncertainty. While it's easy to get caught up in the noise, there are still opportunities for homeowners who take a proactive approach.

The Reserve Bank recently announced that the Official Cash Rate (OCR) will hold at 2.25%. While there was no increase, the announcement carries a strong message about where interest rates could be heading next.

At the same time, the property market appears to be in a more balanced phase. Recent Cotality data shows that the national median property value remained unchanged in May at $808,187. Here in West Auckland, the median property value is $910,416.

So what does this mean for you?

The good news is that there is still time to get ahead of any potential changes.
👉 If your mortgage is due to come off its fixed rate in the next 3 to 6 months, now is an ideal time to review your lending and explore your options.
With a balanced property market, buyers and sellers can make more considered decisions without the pressure of rapid price movements experienced in recent years.
👉 Rather than trying to predict where interest rates or house prices will go next, focus on making sure your mortgage is set up to support your goals.
The key message from us: Don’t panic, but don’t ignore it either.

And this is where a mortgage adviser can help.

Whether you're looking to improve cashflow, create certainty around future repayments, or simply understand what options are available, a mortgage review can often uncover opportunities you may not have considered.

As a local mortgage adviser, I work for you, not the bank. I compare lenders, negotiate on your behalf, and help navigate the process from start to finish. More importantly, I work alongside my clients to create a lending strategy that supports their goals and adapts as life changes.

Call Brad Jones
Your Local Mortgage Adviser
021 953 253
[email protected]

10/06/2026

Proud to share The Mortgage Supply Co are the NZ Adviser Top Brokerage for 2026 - the third year in a row!

25/05/2026

It was pleasure to support and attend this event for a cause which is also really important to me. Thanks to the team at Blockhouse Bay Blockhouse Bay Bowls Inc for a fun filled afternoon.

19/05/2026

What Buyers and Borrowers Should Focus on Right Now
New Zealand property values are continuing their gradual climb. The latest Cotality Home Value Index showed a 0.1% national increase in April (the third monthly increase in a row). The national median property value now sits at $809,101, up 0.6% compared to January.

Here in West Auckland, the median property value is now $920,149.

While the overall outlook remains cautious, current market conditions are still creating opportunities for buyers.
First Home Buyers continue to benefit from more stable property prices, KiwiSaver access, and the ongoing availability of low-deposit lending.
Investors are also beginning to return to the market, supported by lower mortgage rates compared to 2024 and improved cashflow positions.

What I’m seeing right now:
Clients are less focused on trying to predict exactly where the market or interest rates are heading next, and more focused on structuring things in a way that provides more flexibility, stability, and peace of mind.

Sometimes the right solution isn't the obvious one. It might mean restructuring to ease cashflow pressure, reviewing whether refinancing to another lender can open up better options or support future plans, or simply talking through your options so you can make a decision with confidence.
The good news is there's more than one way to approach your mortgage. Part of my role is helping you work through your options and figure out what actually makes sense for your situation. The right setup can help improve cashflow, reduce pressure, and create more certainty and confidence when it comes to your finances.

👉 If your fixed term is coming up, your finances have changed, or you simply want to check your current setup is working for you - Reach out and we'll take a look at your options.

06/05/2026

Our raffles tickets are now on sale. Tickets can be purchased from the club rooms or on the day at the Pink Ribbon Afternoon Tea. A big thanks to Brad Jones - The Mortgage Supply Co for the donation of these prizes

3 Draws to win a Pamper Hamper which will take place on 21st May 26 at the end of our Pink Ribbon event.

Tickets $5 for one or $10 for three
All Proceeds will go to the Breast Cancer Foundation New Zealand.

27/04/2026

Really proud to support this event, as it is a great cause and something that is personal to me and many others.

Details below
Blockhouse Bay Bowls Inc
33 Terry Street, Blockhouse Bay
1pm -3pm
$10 pp (All proceed go to The Breast Cancer Foundation NZ)

Come along and join us at Blockhouse Bay Bowls for our annual Pink Ribbon Afternoon Tea.

Proudly supported by Morrison Funeral, Brad Jones - The Mortgage Supply Co and Glenburn Tyres

Thursday 21st May 2026
1pm-3pm
$10 pp ( All proceeds go to the Breast Cancer Foundation NZ)
Tickets can be purchased on the day

If can't make it but would like to support this event the link below will take you to our donation page.
https://fundraise.bcf.org.nz/fundraisers/BlockhouseBayBowls

We hope you see you there