Lisa Barton - Mortgage Adviser

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Lisa Barton - Mortgage Adviser

Helping everyday kiwi’s reach their dream of owning a property. A copy of my disclosure is available on request.

My passion for helping everyday kiwi's achieve their dream of owning a home, whether this be their first home, upgrading to a bigger family home or starting their journey with an investment property. I take pride in educating my clients throughout the whole process and look at all options for them to achieve their desired goal within a realistic timeframe. I am here to help ease the stress and manage the process of your home ownership journey with the aim of doing all the hard work for you. If you want someone that is willing to back you and be invested in the process as much as you are, then i'm your person. Under the new financial advice regime rolled out on 15th March 2021, we are required to provide publicly available information on our company. Head to our website www.waynehenry.co.nz and scroll to the bottom of the page to view our company disclosure.

28/05/2026

🔊 Official Cash Rate (OCR) remains unchanged at 2.25% 🔊

In yesterday’s OCR announcement, the Reserve Bank (RBNZ) has left the OCR unchanged at 2.25%.

The next OCR review will be made on 8th July 2026.

For further information, refer to the following link -

https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/the-official-cash-rate

If you’re unsure what this means for you and your mortgage, or you have a mortgage that is due to expire off its fixed term within the next 3 months, please contact the team at Wayne Henry Mortgages. The team will help you make an informed decision.

The team are available to chat anytime.

Let’s chat!

📞 021 708 235
💻 [email protected]
https://www.waynehenry.co.nz/about-us/

09/04/2026

💰 What is the Official Cash Rate (OCR)? 💰

The Official Cash Rate (OCR) is an interest rate set by the Reserve Bank of New Zealand (RBNZ), which is the banker for our commercial banks. It is the wholesale rate at which banks can borrow money and it influences all the other interest rates you see out there, like those for mortgages and savings accounts.

When the RBNZ changes the OCR, it can have a pretty big ripple effect on your wallet.

Currently the OCR is sitting at 2.25%.

🔉 Why are OCR Announcements important? 🔉

The RBNZ uses these announcements to signal its thinking about the economy. If activity is high and prices are increasing, they might increase the OCR to cool things down. Or, if the economy is sluggish and people aren’t spending, they might lower it to encourage borrowing and spending.

🔉 Key Official Cash Rate (OCR) Announcement Dates for 2026 🔉

The Reserve Bank has a pretty regular schedule for their OCR announcements. They tend to happen every couple of months, with some being more in-depth than others. The big ones, called Monetary Policy Statements, usually come with a more detailed look at the economy and the RBNZ’s thinking. The other announcements are Monetary Policy Reviews, which are more like check-ins.

Here’s the full list of key OCR announcement dates for 2026 -

⏺️ 27th May 2026 - Monetary Policy Statement & OCR announcement
⏺️ 8th July 2026 - Monetary Policy Review & OCR announcement
⏺️ 2nd September 2026 - Monetary Policy Statement & OCR announcement
⏺️ 28th October 2026 - Monetary Policy Review & OCR announcement
⏺️ 9th December 2026 - Monetary Policy Statement & OCR announcement

If you're unsure what the OCR announcements mean for you and your mortgage, the team at Wayne Henry Mortgages are available to chat anytime.

Let's chat!

📞 021708235
💻 [email protected]

08/04/2026

💥 OCR UNCHANGED AT 2.25% 💥

As expected, the Reserve Bank of New Zealand (RBNZ) has kept the Official Cash Rate (OCR) unchanged at 2.25% ⚖.

The overriding factor in today’s decision is the fallout from US and Israeli strikes on Iran, which has seen oil prices increase sharply. New Zealand, which imports all of its refined fuel, is acutely exposed to the disruption.

The RBNZ now faces a tough balancing act in supporting activity while containing inflation (target is 1 - 3%). So it is very much a "watch this space".

If you're unsure what today's OCR announcement means for you and your mortgage, the team at Wayne Henry Mortgages are available to chat anytime.

Let's chat!

📞 021708235
💻 [email protected]

31/03/2026

🔨👷🏠 Looking to do renos? 🔨👷🏠

Great news! You may be able to make your reno dream a reality!

ANZ recently announced for a limited time they’re offering a special Reno Loan where clients can top up at a special interest rate of 2.50% pa fixed for 3 years for the purpose of renovating a residential property.

Some key points to note for this special Reno Home Loan -

✅ This product is only available for a limited time
✅ Your lending needs to be 80% LVR or less if you’re wanting to renovate your owner-occupied property
✅ Your lending needs to be 70% LVR or less if you’re wanting to renovate your investment property
✅ The minimum amount you can apply for is $3,000 and the maximum is $50,000
✅ Any lending over and above the $50,000 for the ANZ Reno Loan will be at standard interest rates and as a separate loan
✅ Repayments for this loan must be on a principal and interest basis
✅ After the special 3 year fixed rate, ANZ’s standard interest rates will apply
✅ You can only apply for an ANZ Reno Loan ONCE

If you’re thinking of renovating your property, the team at Wayne Henry Mortgages would love to help 🔨👷🏠

Let’s chat!

📞 0800 WHENRY
💻 [email protected]

31/03/2026

🔊 KiwiSaver Changes from 1st April 2026 🔊

From the 1st April, there are some major changes happening with KiwiSaver that will affect both employees and employers.

Changes to Kiwisaver from 1st April 2026:

✅ The default minimum KiwiSaver contribution rate for employees and employers will increase from 3% to 3.5% (NB: this rate will increase again to 4% from 1 April 2028)
✅ If you’re an employed 16 or 17-year old, you’ll qualify for employer KiwiSaver contributions of 3.5%, so long as you meet other eligibility requirements

Changes to Kiwisaver from 1st April 2028:

✅ The default KiwiSaver contribution rate will rise again to 4% (from 3.5%) for you and your employer

Changes that have already taken effect with KiwiSaver:

✅ If you’re aged 16 or 17, you qualify for government contributions, so long as you meet other eligibility requirements
✅ From 1 July 2025, the government reduced their contribution to 25 cents for every dollar you contribute to KiwiSaver each year, with the maximum government contribution being $260.72.
✅ If you earn more than $180,000 of taxable income a year, you do not qualify for the government contribution.

If you’re considering purchasing your first home, and want to access your KiwiSaver funds for your deposit, we recommend you seek expert help from one of our experienced Mortgage Advisers at Wayne Henry Mortgages. The team are available to chat anytime.

Let’s chat!

📞 021 708 235
💻 [email protected]

05/02/2026

✨ Waitangi Day ✨

Today marks the anniversary of the initial signing of the Treaty of Waitangi on 6 February 1840.

The Waitangi Treaty was signed by Māori chiefs and representatives of the British Crown and is often considered to be New Zealand’s founding document. The day was first officially commemorated in 1934, and it has been a public holiday since 1974.

For some people, Waitangi Day is a holiday; for many, and especially for Māori, it is the occasion for reflecting on the Treaty.

However you choose to celebrate and acknowledge Waitangi Day, we hope that it is a great day for all!

26/10/2025

🌞😎🏄🏼‍♀️ Happy Labour Weekend! 🏄🏼‍♀️😎🌞

It’s been a crazy year for everyone, so for this Labour Weekend we hope you take the time to just .... chillax!

24/10/2025

🌞😎🏄🏼‍♀️ Happy Labour Weekend! 🏄🏼‍♀️😎🌞

If you're heading away over this long weekend, drive safe and take care on the roads and MOST importantly enjoy your downtime with family and friends 🫶

09/10/2025

💚 Mental Health Awareness Week 💚

This week has been Mental Health Awareness week where the theme has focused on the benefits of making social connections.

Social connection is crucial for our wellbeing. It brings purpose and a sense of belonging to our lives, helps us feel valued, and makes us happier and more secure.

Look after your wellbeing with the "Five Ways to Wellbeing" this Mental Health Awareness Week.

The Five Ways to Wellbeing are five simple yet proven actions you can use every day to help you find balance, build resilience, and boost your wellbeing. These practices are backed by evidence and can be easily incorporated into anyone's life, regardless of their situation.

✅ Take Notice / Me aro tonu - Take notice of the things around you, remember the simple things that give you joy
✅ Give / Tukua - Give your time, your words, your presence
✅ Be Active / Me kori tonu - Be active, do what you can
✅ Connect / Me whakawhanaunga - Connect, talk and listen
✅ Keep learning / Me ako tonu - Keep learning and embrace new experiences

08/10/2025

💚 Mental Health Awareness Week 💚

This week is Mental Health Awareness week (MHAW) which is an annual campaign that works to help Kiwis understand what boosts their wellbeing and improves mental health.

This year’s theme is Top Up Together which serves as a reminder of the benefits of making social connections.

Social connection is crucial for our wellbeing. It brings purpose and a sense of belonging to our lives, helps us feel valued, and makes us happier and more secure. Evidence shows that activities involving social interaction matter — actions like volunteering, shared learning, physical activity, cultural practices, and community events consistently have a positive impact on mental health and wellbeing.

Here are some ways you can connect with others today

✅ Is there someone that you haven’t spoken to in a while? Why not send a message or arrange a catch up in person.

✅ At the end of the day, ask a friend, your family or work colleague what the best thing about their day was and listen with interest when they tell you

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http://www.waynehenry.co.nz/

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