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]

Before you talk to a bank, check your credit score.It takes 5 minutes. It’s free. And it could save you a world of stres...
28/07/2026

Before you talk to a bank, check your credit score.

It takes 5 minutes. It’s free. And it could save you a world of stress.

Your credit report shows your borrowing history and sometimes things end up on there that you didn’t know about.

And if there are a few errors? Don’t panic. We’ve seen it all. Our advice can help you clean things up before approaching any lender.

If you lost your job tomorrow, how long could you cover your bills?Not a fun question. But an important one.With unemplo...
27/07/2026

If you lost your job tomorrow, how long could you cover your bills?

Not a fun question. But an important one.

With unemployment slowly creeping up and redundancies becoming more common, having an emergency buffer is now a necessity.

A small amount paid into an account that is out of sight and out of mind could make all the difference!

That $300 Afterpay transaction could cost you $30,000 in lending capacity. Sounds dramatic, but it’s not.When banks asse...
25/07/2026

That $300 Afterpay transaction could cost you $30,000 in lending capacity. Sounds dramatic, but it’s not.

When banks assess your mortgage application, they count every recurring payment including Afterpay, Laybuy/Klarna, and Zip.

If you’re planning to buy in the next 12 months, it’s worth knowing how banks see it. That $30,000 could be the difference between you buying your dream home, or having to settle for less.

Your bank statements are basically your CV when you apply for a mortgage.Banks aren’t just looking at your income. They’...
21/07/2026

Your bank statements are basically your CV when you apply for a mortgage.

Banks aren’t just looking at your income. They’re looking at how you manage your money.

Good: Regular savings put aside each week.
Not great: Overdrafts, dishonours, buy now pay later, no savings pattern.

Want help figuring out what your future home loan repayments might look like so you know the number to aim for? We’ll sort that out for you!

Unpopular opinion: budgeting isn’t boring. It’s freedom.Because when you don’t know what comes in or goes out, you start...
15/07/2026

Unpopular opinion: budgeting isn’t boring. It’s freedom.

Because when you don’t know what comes in or goes out, you start guessing or making decisions based on what everyone else is doing.

Vanessa’s seen it over and over in 23 years of advising. The clients who come in with a clear picture of their money?They get better outcomes. Every time.

Need help figuring out your numbers before you apply?
That’s literally what our first chat is for.

Does your insurance actually cover your whole property?Most people assume it does. But here are two things that catch pe...
14/07/2026

Does your insurance actually cover your whole property?

Most people assume it does. But here are two things that catch people out:
• If your section extends more than 8 metres beyond your house, parts of your land might not be covered the way you think.
• If your driveway is longer than 60 metres, same deal.

An Insurance Adviser can help you bridge the gaps in your Insurance and we have some great contacts we entrust our clients to. Just reach out and we’ll send you their contact details.

School holidays mode: activated!Lana’s escaped to Taupō with the family (lucky thing).Vanessa’s holding the fort and yes...
12/07/2026

School holidays mode: activated!

Lana’s escaped to Taupō with the family (lucky thing).
Vanessa’s holding the fort and yes, she’s still answering the phone.

If you need us, we’re here. Slightly quieter. Slightly more caffeinated. But here.

Happy holidays to all the parents juggling work, kids, and way too much screen time this week.

Happy Matariki from the Greenlight whānau!Matariki is about looking back with gratitude and looking ahead with purpose.2...
09/07/2026

Happy Matariki from the Greenlight whānau!

Matariki is about looking back with gratitude and looking ahead with purpose.

23 years of helping people, clients who came back, referrals from people who trusted us. We are full of gratitude.

Enjoy the long weekend and we’ll be back Monday.

- Vanessa & Lana

OCR Day! What It Actually Means for Your Mortgage:The OCR doesn’t directly set your mortgage rate. Banks do. And right n...
07/07/2026

OCR Day! What It Actually Means for Your Mortgage:

The OCR doesn’t directly set your mortgage rate. Banks do.

And right now, wholesale swap rates (the thing banks use to price your fixed rate) have been doing their own thing. So even if the OCR moved (or didn’t), your rate could still change.

So, what matters more than headlines?
• When your fixed rate expires
• What structure your loan is on
• Whether there’s a better deal you’re not seeing

Winter is the quietest the property market gets. That's exactly why it's a smart time to refinance.Banks aren't flat out...
29/06/2026

Winter is the quietest the property market gets. That's exactly why it's a smart time to refinance.

Banks aren't flat out chasing new buyers right now. They've got more time for existing customers shopping around. Cash-back offers are still on the table, $5,000 to $15,000 depending on the lender. Some banks have dropped the external solicitor requirement by offering in house conveyancing. This could save you thousands, but not all banks are offering it yet.

If you've been meaning to look at your mortgage but kept putting it off, this is the low-stress time to do it.

We do all the running. You stay on the couch with a cup of tea.

That's the deal.

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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