Plaxo Mortgages

Plaxo Mortgages Plaxo Mortgages, since 2006,is a New Zealand finance brokerage that helps clients get the right mortgage/lending solutions.

We provide guidance and support for home loans, investment properties, construction loans, commercial loans, and business loans.

OCR is coming next week — should you wait or refix now?With the next OCR announcement coming on Wednesday, 27 May, many ...
19/05/2026

OCR is coming next week — should you wait or refix now?

With the next OCR announcement coming on Wednesday, 27 May, many homeowners may be wondering whether they should refix now or wait a little longer.

The truth is, there is no one-size-fits-all answer.

When your fixed rate is coming up for review, the lowest rate on the day is only one part of the decision. It may also depend on your plans, cash flow, and how much flexibility you may need.

Before making a refix decision, it may be worth thinking about:

✔ Is your fixed rate expiring before or after the OCR announcement?
✔ Are you thinking about refixing now, or waiting to see how rates move?
✔ Do you prefer repayment certainty, or more flexibility?
✔ Are you planning to refinance, renovate, top up, or restructure soon?
✔ Would splitting your loan into different terms be worth considering?
✔ Is your current loan structure still suitable for your plans?

OCR changes do not always mean home loan rates move immediately or in the same way, so it is important to compare your actual options carefully.

Not sure if your current loan structure still suits you? Our team can help you review your refix or refinance options and compare different structures based on your needs. Click the WhatsApp button below or call us directly on 09 916 0116 to speak with our team.

General information only. This is not personalised financial advice.

For most people starting a home loan, the first question is simple:👉 How much can I actually borrow?It sounds straightfo...
28/04/2026

For most people starting a home loan, the first question is simple:

👉 How much can I actually borrow?

It sounds straightforward, but the answer can vary depending on your income, expenses, the type of property, and how different banks assess your situation.

That’s why we often start with a simple tool like Loanie, to give you an initial idea:

✔️ Estimate your borrowing range
✔️ See how the numbers might look
✔️ And from there, we can help you refine and structure things properly

You can have a look here:
https://www.loanie.co.nz/blog
https://www.loanie.co.nz/rates?ref=LOANIE-1PM-B5F0

The tool gives you a starting point, but the real difference comes from how the loan is structured and positioned with the right lender.


🏡 Thinking about upgrading your home — but not sure if you need to sell your investment properties?Recently worked on a ...
21/04/2026

🏡 Thinking about upgrading your home — but not sure if you need to sell your investment properties?

Recently worked on a case here in Auckland that might be relevant if you’re in a similar position.

The clients were a typical setup:
Working in IT and accounting, with two investment properties, and looking to move into a new owner-occupied home.

Their main questions were pretty straight forward:
❔ How much can we still borrow?
❔ Do we have to sell one of the properties?
❔ What’s the right way to structure everything?

This kind of deal isn’t really about “can it be done” — it’s about how you structure it.

We helped them reorganise their existing lending and release some equity, which was then used for the deposit on the new home. From there, we secured a pre-approval — without them having to sell their investment properties.

Result:
✔️ Over $2M in total lending approved
✔️ Split across multiple facilities for flexibility
✔️ Cashflow is still sitting in a comfortable position after approval
In simple terms, they were able to move forward without undoing what they’ve already built.

Every situation is a bit different. It usually comes down to how you structure it and the order in which you do things.

If you’re thinking about upgrading but are not sure what to do with your existing properties, feel free to reach out. Happy to have a look and talk it through with you.

Call: 09 916 0116
WhatsApp: wa.me/64275558950
Email: [email protected]

🏠 Dreaming of a renovation but worried about the cost?ANZ's Reno Loan is now available at a special 2.5% fixed rate for ...
30/03/2026

🏠 Dreaming of a renovation but worried about the cost?

ANZ's Reno Loan is now available at a special 2.5% fixed rate for 3 years, letting you borrow up to $50,000 to transform your kitchen, bathroom, roof, or outdoor space!

✅ Borrow $3,000 – $50,000
✅ Min. 20% equity required
✅ Available as a top-up to your existing ANZ Home Loan

Wondering if this suits your situation? Get in touch with PLAXO — we'd love to help! 👇

call: 09 916 0116
email: [email protected]
web: plaxoltd.co.nz

Lending criteria, terms and conditions apply. This is general information only.

Last Friday morning, a Property Development seminar was held in Auckland, where Teresa Jin from Plaxo Mortgages joined a...
16/03/2026

Last Friday morning, a Property Development seminar was held in Auckland, where Teresa Jin from Plaxo Mortgages joined an architect and a registered accountant to share insights from their respective professional perspectives.

During the seminar, the speakers shared practical insights on property development in New Zealand, including development policy trends, GST rules, and tax considerations, as well as the lending process and real financing cases.

Teresa also walked through how banks typically review development projects, what lenders pay attention to during the approval process, and the key documents and structures usually required for development finance.

At Plaxo Mortgages, we are committed to sharing practical knowledge through educational seminars that help investors better understand the property and lending landscape.

More seminars and workshops will be announced soon.



The “Trust Strategy” public seminar, jointly hosted by Teresa from Plaxo Mortgages together with a professional accounta...
26/02/2026

The “Trust Strategy” public seminar, jointly hosted by Teresa from Plaxo Mortgages together with a professional accountant, lawyer, and real estate consultant, was successfully held this morning.

The session covered key areas including lending structures, tax considerations, legal risks, and how trusts are applied in property transactions. It also addressed common misunderstandings — particularly the distinction between valid and ineffective trust structures, and how banks assess trust applications in today’s lending environment.

A trust is not a one-size-fits-all solution. However, when structured properly and aligned with long-term goals, it can be an effective tool for asset protection and long-term wealth planning.

At Plaxo Mortgages, we are committed to providing practical, educational sessions that help clients make informed financial decisions. More seminars and workshops will be announced soon.

Stay tuned.

📉 OCR remains unchanged — but some banks have quietly adjusted their rates.Here are the movements in this update:▪ Westp...
25/02/2026

📉 OCR remains unchanged — but some banks have quietly adjusted their rates.

Here are the movements in this update:

▪ Westpac 3-year fixed: 5.15% → 4.99% ↓
▪ ICBC 6-month fixed: 4.69% → 4.39% ↓

Other major banks are holding steady for now.

In addition, SBS Bank’s 3.99% 1-year combo rate for first home buyers is still available.

While the OCR hasn’t moved, we’re seeing selective adjustments across certain terms — more of a structural shift rather than a broad market move.

Terms and conditions apply. Interest rates are subject to change without notice.

If you’re approaching a refix, restructure, or refinance, feel free to message us or call 📞 09 916 0116.
We’re happy to help you compare what’s currently available and review your options.

🏡 Unlocking Your Home Buying JourneyBuying a home is one of the biggest financial decisions you’ll make — and understand...
24/02/2026

🏡 Unlocking Your Home Buying Journey

Buying a home is one of the biggest financial decisions you’ll make — and understanding the process can make all the difference.

Plaxo Mortgages is proud to be hosting a free community seminar alongside experienced professionals from real estate and legal practice to guide you through every key stage of the home buying journey.

🔑 What we’ll cover:
• Choosing the right property – location, budget and priorities
• Legal process & contracts – what you need to know before signing
• Finance & mortgages – how home lending works and how to structure it wisely

📅 Date: Saturday, 7 March
⏰ Time: 10:00 AM – 12:00 PM
📍 Venue: Meeting Room, Glen Eden Library
📍 Address: 12–32 Glendale Road, Glen Eden

Speakers:
Ian Wang – Barfoot & Thompson
Celine Du – Hemaru Law
Tim Liu – Plaxo Mortgages

This is a great opportunity for first home buyers, upgraders, and anyone wanting a clearer understanding of the current NZ property and lending environment.

🎟 Free entry – limited seats available. Registration required.
Scan the QR code on the poster to secure your spot.

We look forward to seeing you there.

“Your Next Chapter in Finance” Ready for Your Next Career Move?You’ve built a solid foundation in banking — now it might...
23/02/2026

“Your Next Chapter in Finance” Ready for Your Next Career Move?

You’ve built a solid foundation in banking — now it might be time to explore what’s next.

About you:
√ Hold the NZCFS Level 5 (V2)
√ Applicants for this position should be Permanent Residents or be New Zealand Citizens.

About Us:
At Plaxo Mortgages, we welcome experienced bankers who are ready for a new challenge, greater flexibility, and the chance to shape their own success.

With nearly two decades of experience, Plaxo is dedicated to helping talented professionals grow and succeed in the mortgage industry.

Explore the next step in your financial career. Let’s have a conversation.

CV to Emma Lu [email protected]

Plaxo 2025 Annul Awards & 20 Years Millstone Celebration🏆 Congratulations to Our Plaxo 2025 Award Recipients! 🎉As part o...
20/02/2026

Plaxo 2025 Annul Awards & 20 Years Millstone Celebration

🏆 Congratulations to Our Plaxo 2025 Award Recipients! 🎉
As part of our Plaxo 2025 Annual Awards & 20-Year Milestone Celebration, we were proud to recognise the outstanding individuals and teams who have gone above and beyond this year.

2025-2026 Performance Awards
Excellence Adviser Performance -- Shi Toby
Rising Star Adviser -- Teresa JIN
Outstanding Loan Support -- Irene Liu

2025-2026 Top Achievement Awards
Top Performer Team -- York zhang Team
Top Adviser Performance
• Frank Fu
• Steven Sun
• Tim Liu

2025-2026 Elite Awards
Outstanding Contribution of the Year -- Sue Liu
Standout Leadership Award -- Emma Lu

A huge congratulations to all of our awardees!
Thank you for your hard work, passion, and for continuing to support our clients and our team’s success.

Here’s to an even bigger year ahead! 🥂✨

Address

Level One, 638 Great South Road, Greenlane
Auckland
1051

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+6499160116

Website

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