Greenlight Mortgages Ltd (Vanessa Belton)

Greenlight Mortgages Ltd (Vanessa Belton) 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]

Last post we covered offset. Today, revolving credit.A revolving credit mortgage is basically a giant overdraft where yo...
17/06/2026

Last post we covered offset. Today, revolving credit.

A revolving credit mortgage is basically a giant overdraft where you have a portion of your home loan on a credit limit. Say $50,000, and you can put money in and take money out whenever you want.

Wages in. Bills out. Whatever balance is sitting there is what you're charged interest on. Interest is calculated daily and charged monthly.

The whole game is keeping as much money in the account as possible, for as long as possible, so the daily interest charge stays low.

Last in the series next: how to know which one suits you.

Offset, revolving credit, fixed, floating. Most people nod along like they understand the lingo and then take whatever t...
16/06/2026

Offset, revolving credit, fixed, floating. Most people nod along like they understand the lingo and then take whatever their bank suggests.

Over the next three posts we are going to break down two of the products that get people the most confused. Starting with offset.

An offset home loan links your daily transactional and savings accounts to your floating rate mortgage. The money sitting in these accounts offsets against the home loan and reduces the balance you're charged interest on.

You owe $50,000 on your floating offset loan account. You have $20,000 balances in your various offset bank accounts. You only pay interest on $30,000.

Your money is still yours. You can spend it anytime. But while it's sitting there, it's working harder than it would in a regular savings account.

Next post: revolving credit, which works differently

Some banks are running a promotion right now. 3 years fixed at 1% on lending for solar and other approved energy upgrade...
11/06/2026

Some banks are running a promotion right now. 3 years fixed at 1% on lending for solar and other approved energy upgrades.

Yes, one percent.

If solar's been on your list, this is the moment to look at it properly. The combo of cheap finance and lower power bills stacks up faster than most people expect.

Two suggestions if you go this way.

1. Use a local installer. Keep the money in the community, and you usually get better follow-up service when something needs sorting. Ask us if you don't know where to start, we know who's good.

2. Run the actual numbers before you commit. Happy to help with that.

Worth a chat if it's been on your mind.

If you're self-employed and thinking about borrowing this year, this one's for you.Banks are moving toward assessing loa...
11/06/2026

If you're self-employed and thinking about borrowing this year, this one's for you.

Banks are moving toward assessing loans on the most current financial information they can get. That means 2026 books, not 2025.

Translation: if your accountant hasn't started on your latest set yet, now's the time to chase them up.

We see this every year. Someone walks in ready to buy, refinance, or top up, and their file is six months behind. Suddenly we're chasing paperwork instead of moving on a deal.

The cleaner your numbers are, the faster we can move. 23 years of fighting for self-employed clients. We know how to make the case, but we can only work with what your books show us.

Three things lenders consistently get wrong about healthcare workers, teachers, and emergency services. We see all of th...
10/06/2026

Three things lenders consistently get wrong about healthcare workers, teachers, and emergency services. We see all of these every week.

1. They underweight your job security. Recession-proof employment should give you an edge, but the standard bank calculator doesn't reflect it.

2. They count your pay structure wrong. Allowances, shifts, on-call, penal rates. Different lenders treat these differently. The wrong one leaves a chunk of your actual income off the page.

You're not unusual or hard to lend to. You just need someone who knows how to read the file.

Free chat. We can come to you, evenings work.

Three Waitakere tracks have reopened after nearly nine years.Kauri dieback shut them down. Years of work later, they're ...
08/06/2026

Three Waitakere tracks have reopened after nearly nine years.

Kauri dieback shut them down. Years of work later, they're walkable again.

We're West Auckland based, so the Waitakeres aren't a postcard to us, they're home turf. If you've been waiting on these tracks to come back, this one's a moment.
ourauckland.aucklandcouncil.govt.nz/news/2026/05/the-waitakere-ranges-are-calling/

Get out there this winter. Free, beautiful, right on the doorstep.

Good news if you've been struggling to save a 20% deposit.The Reserve Bank eased the rules in December 2025. Banks can n...
03/06/2026

Good news if you've been struggling to save a 20% deposit.

The Reserve Bank eased the rules in December 2025. Banks can now lend up to 25% of new lending to buyers with under 20% deposit (up from 20% before).

What does that mean? More banks are now willing to take on lower-deposit borrowers. Your chances of getting approved with 10-15% deposit are better than they've been in years.

And if you're buying a new build, you're exempt from the debt-to-income restrictions entirely. That's a big deal if you're stretching to get into the market.

Not sure where you stand? We can check your position in one conversation.

If you're a builder and you've ever had a client's finance fall through mid-project, you know how painful that is.We wor...
31/05/2026

If you're a builder and you've ever had a client's finance fall through mid-project, you know how painful that is.

We work with builders and their clients to make sure the finance side is locked in before the first nail goes in. Build finance, progress payments, bridging, the lot.

And if you're a tradie wanting to buy or build your own place? Self-employed lending is what we do best.

We understand your industry because we've worked in it. Variable income, seasonal work, subcontractor structures. None of that scares us.

30/05/2026

After adopting Lacey, walks along the beach have been far more frequent. The kids always complain about it at first, but once we’re all outside nobody wants to leave. Funny.

Pet adoption month might be over, but there are still plenty of animals needing good homes. Saving Hope Foundation are an incredible organisation offering year round adoption services. The fosters work incredibly hard to get the pups trained before adoption.

Lacey came to Lana and family at 3 months old, already crate trained, she new her down and shake hand commands and was almost completely toilet trained. A big help when you are a first time dog owner!!!

Paws - Restart
Pet Community House, Waikato

Pet adoption month is wrapping up, but before it’s fully over we’d like to rave about pets for a minute.We’re both big b...
29/05/2026

Pet adoption month is wrapping up, but before it’s fully over we’d like to rave about pets for a minute.

We’re both big believers in pet adoption. Since we spend our days helping people get into homes, it only feels right to support animals finding homes too.

Meet Sabbath, Vanessa’s cat. She adopted this 5 year old lad back in January through Pet Community House, Waikato

There are plenty of animals around needing a proper home and someone to look after them. If you've been considering adoption, now might be the time to look into it properly. And there is always a need for more fosters!

A few adoption events are happening this weekend:
• 30 May - Petstock Ellerslie, 9am - 5pm
• 30 May - Animates St Lukes, 10am - 2pm
• 30 May - Petstock Henderson, 10am - 1pm
• 30 May - Petstock Takapuna and Henderson, 10am - 1pm
• 31 May - Petstock Westgate, 11am - 2pm
• 13 Jun - Animates Albany, 12pm - 2pm

And even once the adoption month campaigns finish up, adoption doesn’t stop there. Keep up with local adoption events via their page: facebook.com/savinghopenz

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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