What are the opening hours?

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

Greenlight Mortgages Ltd - Vanessa Lambert

Home
New Zealand
Auckland
Greenlight Mortgages Ltd - Vanessa Lambert

Call Directions Website Contact the business

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

Looking for a

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]

01/11/2026

A few people have told us they're waiting until after the 7th to do anything with their lending. Fair enough. Nobody wants to move the week before the rules might.

While the Reserve Bank independently sets the OCR, government policy can influence the wider economic environment and, indirectly, interest rates.

But the election doesn't mean you need to put your lending plans on hold. There are still plenty of factors to consider when looking at your lending options that aren't directly influenced by government policy, like your income, deposit, current lending arrangements, and when your fixed term is due to expire.

If you were planning to look at your options this spring, there's no reason you can't start laying the groundwork now. One chat won’t hurt.

31/10/2026

Don't take candy from strangers.

Every child grew up knowing the rule. Nobody applies it to mortgage advice though.

Your cousin bought a place in 2003. The guy at the BBQ reckons fixed is the way to go. Everyone has an opinion.

Good intentions and good advice are two different things.

We can get you sorted

30/10/2026

Friyay Funny 🤭

28/10/2026

A couple came to me a while back, saving for their first home. Then they went out and bought a car. The thinking was that a good repayment history would look great to the bank.

It didn't. They were going in with a low deposit, and now there was a car loan on top. They'd made every payment, their servicing was fine, and the bank still started reconsidering whether to lend to them at all.

If they'd rung me before the car yard...

28/10/2026

The Reserve Bank has held the OCR at 2.75% today, giving borrowers a pause after the two recent increases. But don't get too comfortable.

Five days before today's announcement, Tony Alexander predicted the OCR could reach 4.5% this cycle, well above the 3.5% commonly expected by analysts and markets. That's quite a gap, and one worth keeping an eye on.

The Reserve Bank has also signalled that further tightening may be needed, depending on how the economy and inflation develop. So, the OCR hasn't moved today, but we don't know yet where interest rates will head next.

Unfortunately, interest rates haven't learnt the meaning of the word “settled”.

If your fixed rate is coming up for renewal, now's a good time to discuss it with us. We're happy to help you make sense of your options.

No crystal ball required.

25/10/2026

Buying at auction. A few things to sort before the hammer falls.

The deposit is due on the day, and if part of yours is coming from KiwiSaver, it won't have arrived yet. You will need to ask for a variation to the auction terms so you can pay a smaller deposit on the day, but it has to be agreed with the vendor's agent before the auction.

If your deposit is under 20 per cent, the bank will usually want a registered valuation on the property as well, and that takes time. Both are things to talk to us about before you register to bid.

24/10/2026

"I just assumed the bank's answer was final."

She told me that at a networking group. She was 56.

Every few months after that we worked through the next thing she needed to sort. Credit card debt. Getting her business to show good numbers on paper. It took patience and perseverance, and she did it.

She bought a place outside Auckland this year. Three years of small steps, and a bank that had said no at the beginning. If a bank has said no, that's usually where we start.

22/10/2026

Most people pick a lender the same way they pick a phone plan. Without a lot of thought, and usually from a recommendation.

Don't put all your eggs in one bank.

You have more options than that, and a mortgage adviser can do the searching across all the banks for you.

20/10/2026

One of my longest-standing clients runs a flooring company, ten to fifteen staff. He came to me to refix, same bank he's always been with.

When we sat down and went through everything, there was $20,000 in cashback on the table and a way to set things up so commercial property was on the cards next.

If he has just gone through the app he'd have got a new rate and a confirmation screen.

Refixing can take minutes in the app, but an hour of my time may give you back $20,000.

Something to think about.

19/10/2026

A lot of parents are doing it.

A gifted deposit, a guarantee, or going on the loan with them. Each one ties your own house to their lending in a different way, and sometimes it means refinancing your own mortgage to make it happen.

The bit nobody at the bank tends to walk you through is what comes after. If you want to refinance, downsize or retire in the next ten years, the tie to their loan has to be undone first, and that is easier to plan at the start than to untangle later.

We do that with you. Which option fits your own plans, and how it can be undone. Before anyone signs anything.

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

http://www.greenlightnz.co.nz/

Alerts

Be the first to know and let us send you an email when Greenlight Mortgages Ltd - Vanessa Lambert posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.