Greenlight Mortgages Ltd - Vanessa Lambert

Greenlight Mortgages Ltd - Vanessa Lambert Vanessa Lambert Financial Adviser (FSP87822)
Greenlight Mortgages Limited (FSP728292)

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Financial Advice – Disclosure

The information provided in this disclosure document is important
Licence status and conditions
Greenlight Mortgages Limited (FSP728292) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. Nature and scope of the financial advice given
Greenlight Mortgages Limited provides advice to our clients about their Mortgage and lending product requirements. We provide financial advice about lending products from a large range of providers. ANZ, ASB, Avanti Finance, BNZ, Bluestone, Cressida Capital, Sovereign Home Loans, Westpac, SBS Bank, Co-op Bank, TSB Bank, Resimac, DBR, ASAP Finance, First Mortgage Trust, Southern Cross Finance, Liberty Financial, NZCU – Baywide, Heartland Bank

Any financial advice provided on our behalf will take account only of the information you have given us about your particular needs, financial situation or goals. https://greenlightnz.co.nz/about-us/ Please click here to go through to our About us page, and click on the disclosure tab to read the rest of our Disclosure document. Contact Details
Greenlight Mortgages Limited (FSP728292) is the Licensed Financial Advice Provider. You can contact us at:

Greenlight Mortgages Limited, Postal address PO Box 466, Kumeu 0841

by telephone: 027 222 444 9

by email: [email protected], [email protected]

We all hold onto things for too long like that spare cord that goes to nothing but you may need it one day.If you can re...
16/09/2026

We all hold onto things for too long like that spare cord that goes to nothing but you may need it one day.

If you can replace it in 20 minutes for under $20, it's probably safe to let it go.

The same goes with your mortgage.

Just because you've had it for years doesn't mean it's still the best fit.

When your lending is up for review, it's worth looking at what else is available before simply refixing with your current bank.

Bank rejection doesn't mean your finance options have run out. It means no to their specific product. It doesn't mean no...
16/09/2026

Bank rejection doesn't mean your finance options have run out. It means no to their specific product. It doesn't mean no to financing.

Non-bank lenders can provide valuable alternatives for borrowers who don't quite fit traditional bank criteria. That includes:

👥 Self-employed and contractors with variable income
💼 Non-traditional income structures️
🏗️ Bridging finance for development or renovation
🏠 Property development loans
📊 People rebuilding after past credit issues

I've watched clients get rejected by their bank, then approved for MORE by a lender who actually understands self-employment income. The bank's "no" wasn't about whether you could service a loan. It was about whether you fitted their box.

I've know the right structure + the right lender = a path forward that most people don't see at first. Non-bank lenders read your file differently.

If your bank said no, your finance options haven't run out. They've just shifted. Let's explore what's actually possible.

You need to rush out and buy baskets and a label maker.Nope. Repurpose old trays, empty containers, use old tupperware. ...
15/09/2026

You need to rush out and buy baskets and a label maker.

Nope. Repurpose old trays, empty containers, use old tupperware. Figure out what works before you invest in NEW organisational infrastructure.

The same goes for your mortgage.

"To get a better mortgage I need to change banks?." Not necessarily. Your existing bank may still be a good fit.

Sometimes changing the way your lending is structured or negotiated could be worth exploring first.

We'll figure out what you need first. Then decide whether you need a new basket, or a new bank.

Upgrading to a new home is an exciting milestone, but it can also be complex. From understanding your current mortgage p...
13/09/2026

Upgrading to a new home is an exciting milestone, but it can also be complex. From understanding your current mortgage position to leveraging equity, navigating bridging finance, and structuring your new loan, there's a lot to consider.

When you're moving up the property ladder, you need to think about:

🏡 Your current mortgage position (equity, remaining term, LVR)
💰 How to leverage what you've already built
🌉 Bridging finance if you need to move before your current place sells
📋 Structuring your new loan for tax efficiency and flexibility
⏱️ Managing two properties through the transition

I help Kiwis make informed decisions when moving up.

I've guided hundreds of people through upgrades. Every situation is different, but the ones who move smoothly are the ones who plan ahead.

You don't want to be figuring this out especially when you've fallen in love with a property.

If you're thinking about your next home and want a strategic approach to financing your upgrade, let's have a conversation.

Spring cleaning isn't just about your house.It's about pulling out what's not working and keeping what you actually need...
11/09/2026

Spring cleaning isn't just about your house.

It's about pulling out what's not working and keeping what you actually need.

Same logic applies to your mortgage.

Over the next few weeks, we're decluttering your lending. The myths. The assumptions. The stuff you're keeping just because you've always had it.

Follow along. You might find something worth rethinking.

Amazing morning spent with some truly inspirational women at the My Solutions Asteron Life Women in Leadership Conferenc...
06/09/2026

Amazing morning spent with some truly inspirational women at the My Solutions Asteron Life Women in Leadership Conference the other day.

Top Things Learnt:

💡 Leadership is a way of doing things, not a title.

You can learn a lot about the kind of leader you want to be from great leaders — and sometimes just as much from the not-so-great ones.

💡 Lead with empathy and humanity.

Make sure you’re as kind to your family as you are to strangers. It’s easy to give the best of ourselves at work and leave the leftovers for the people at home.

💡 Confidence ebbs and flows.

Like a muscle, it needs to be exercised. Some days it feels strong, other days not so much. Both are normal. The important thing is to keep using it.

Lots to think about as I continue to learn, grow and figure out what leadership looks like for me.

And pretty special to share the day with Lana. 💚

The OCR went up another 25 basis points this week, taking it to 2.75%. The Committee's read: inflation's still running h...
03/09/2026

The OCR went up another 25 basis points this week, taking it to 2.75%.

The Committee's read: inflation's still running hot from local, home-grown costs and fuel prices are still filtering through into what things cost to produce here.

All of the main banks' floating rates have already followed. Funny how banks pass on hikes at the speed of light, and cuts... eventually.

Tony Alexander reckons fixed rates face "little immediate pressure" for now, since this hike was already priced in, but he's warning that "as we advance through 2026 into 2027, we will see further increases in fixed borrowing costs."

Translation: If your fixed term is coming up, let's have a look at it together.

No pressure, just options.

Thanks for the kind words, Helna. We couldn’t have made it this far without amazing customers like you.Our customers hav...
31/08/2026

Thanks for the kind words, Helna. We couldn’t have made it this far without amazing customers like you.

Our customers have shaped who we are today, and we’re especially grateful for those who choose to come back to us time and time again.

Your trust, support and continued confidence in us mean more than you know.

To all of our customers. Thank you for letting us be part of your money journey.

We’re so grateful for every single one of you!

Some of you may remember Lacey. Judging by last month's social media stats, she's officially the most popular member of ...
27/08/2026

Some of you may remember Lacey. Judging by last month's social media stats, she's officially the most popular member of the Greenlight team.

She still hasn't learned how to write a mortgage application.
Or answer the phone. Or contribute anything particularly useful to the office. But she is very good at one thing.

She sits beside people when they need company. No advice. No questions. Just quiet company.

Today is Daffodil Day, and while Lacey has no idea what that means, it's a lovely reminder that sometimes the smallest acts of kindness make the biggest difference.

If you're able to support the Cancer Society today, every donation helps them continue supporting New Zealanders and their whānau through some incredibly difficult times.

From all of us (especially Lacey), happy Daffodil Day. 💛

Some of the best resources in our communities are completely free. We just don't always think to use them. It's a bit li...
25/08/2026

Some of the best resources in our communities are completely free. We just don't always think to use them.

It's a bit like working with a mortgage adviser.

A conversation with us won't cost you anything, but it can save you hours of research, help you compare lenders, avoid costly mistakes, and give you confidence that you're making an informed decision.

Just because you don't receive an invoice doesn't mean it isn't valuable.

Sometimes the smartest thing you can do is make the most of what's already available to you.

Address

Auckland
0604

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 8am - 9pm

Telephone

027 222 4449

Website

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