Integrity Mortgages

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Integrity Mortgages I am sincerely interested in helping people and approach every situation with a positive attitude.

Products:

First Home Loans
Refinancing Loans
Investment Loans
Next Home Loans
Commercial and Business Loans
Land and Construction Loans
Self Employed Loans
Bridging Loans
MoneyTime
Asset Finance

Saving a 20% deposit is often the biggest hurdle facing first home buyers, but it isn't the only way onto the property l...
15/10/2026

Saving a 20% deposit is often the biggest hurdle facing first home buyers, but it isn't the only way onto the property ladder.

Between lower-deposit options like the 5% First Home Loan Scheme and housing affordability returning to long-term averages across the country, getting into your first home might be closer than you think.

Ahead of the upcoming general election, there are also ongoing discussions around potential policy changes that could open up eligibility to even more first home buyers.

Our latest blog breaks down how recent market shifts impact your buying power right now and what these options could mean for your future plans.

👉 Read the full blog here:
https://adviser.loanmarket.co.nz/bruce-harnell//blog/first-home-buyers-may-not-need-a-20-deposit/

When you go direct to a bank, you only get the home loan products that single bank wants to offer you and once the paper...
12/10/2026

When you go direct to a bank, you only get the home loan products that single bank wants to offer you and once the paperwork is signed, you are left on your own.

A mortgage adviser works differently. We look across the market to find the right solution for you today, and we stay in your corner as interest rates change, fixed terms roll over, and your long-term financial goals evolve.

You deserve more than an off-the-shelf transaction. You deserve a partner by your side for the long haul.

Ready to get a mortgage adviser in your corner? Send us a message to get started.

Decoding financial jargon across generations. 💬From Gen Z slang to Baby Boomer terminology, here is how different age gr...
08/10/2026

Decoding financial jargon across generations. 💬

From Gen Z slang to Baby Boomer terminology, here is how different age groups break down the loan-to-value ratio.

Swipe through to see how your cohort translates LVR.

It's easy to put your mortgage on set-and-forget, especially when life gets busy.Finding out what yours could actually b...
04/10/2026

It's easy to put your mortgage on set-and-forget, especially when life gets busy.

Finding out what yours could actually be doing for you is where things get interesting. We can help you explore refinancing to a new lender to secure better terms, take advantage of cashback incentives, or lower your repayments.

With access to 30+ banks and lenders, you won't be left guessing which option is right for you.

Reach out for a no-obligation chat to make sure you aren't losing interest. 💡 🏠
https://adviser.loanmarket.co.nz/bruce-harnell/products-services/refinancing/

Let's settle this once and for all, your $6.50 daily coffee isn't why buying a home feels out of reach.So enjoy your fla...
01/10/2026

Let's settle this once and for all, your $6.50 daily coffee isn't why buying a home feels out of reach.

So enjoy your flat white, your matcha, your long black, whatever gets you through the morning.

We won't judge, and neither should anyone else.

Happy International Coffee Day! ☕

Putting a little extra towards your mortgage does far more heavy lifting than it looks like on paper. Every dollar paid ...
27/09/2026

Putting a little extra towards your mortgage does far more heavy lifting than it looks like on paper. Every dollar paid above your minimum balance directly reduces the principal, meaning the bank charges you less interest over time.

Want to know what extra repayments could actually save you? We can run the numbers.

24/09/2026

Your repayment isn't just about the interest rate. Let's break down what also affects your numbers.

⏳ Loan Term
Longer terms lower regular repayments but raise total interest costs over time. Shorter terms do the opposite!

💰 Repayment Type
Principal and interest pays down your loan balance. Interest-only lowers short-term payments without shrinking your debt.

🔒 Fixed vs. Floating Rates
Fixed rates give you predictability, while floating rates allow maximum flexibility for offset structures or lump-sum payments.

💵 Extra Repayments and Offset
Small additional payments or keeping savings in an offset account directly reduce the balance you get charged interest on.

⚖️ Loan to Value Ratio (LVR)
If your deposit is under 20%, lenders usually charge a Low Equity Margin or fee until your equity builds up.

All these factors work together. Let’s chat about what is right for you. DM us if you want to crunch some numbers. 📊

Refinancing isn't just about chasing a lower rate, it's about making sure your home loan still matches your current life...
21/09/2026

Refinancing isn't just about chasing a lower rate, it's about making sure your home loan still matches your current life and financial goals.

Whether market conditions have shifted or your personal priorities have changed, refinancing your mortgage can help you:

📉 Lower your repayments by adjusting your loan structure or term.

🏡 Release equity to renovate or purchase an investment property.

💸 Leverage lender incentives and cashback offers.

💳 Consolidate high-interest debt into a single loan.

Even if you end up staying right where you are, reviewing your options gives you clarity on where your money is going.

Get in touch to explore if refinancing could be an option for you.
https://adviser.loanmarket.co.nz/bruce-harnell/products-services/refinancing/

Going straight to your bank feels like an easy starting point, but it only gives you one piece of the puzzle. A single l...
17/09/2026

Going straight to your bank feels like an easy starting point, but it only gives you one piece of the puzzle. A single lender can only offer you their own specific products, rates and criteria.

A mortgage adviser can scope out options across the market including major banks and specialist lenders, to find the right loan to suit your long-term financial goals.

From handling the paperwork to negotiating competitive rates and managing your loan over time, advisers act as a dedicated advocate in your corner.

Ready to see how your options compare? Send a message anytime to chat through your numbers.

There is a real sense of pride in sitting in an empty living room, knowing the deposit came before the furniture.If you ...
16/09/2026

There is a real sense of pride in sitting in an empty living room, knowing the deposit came before the furniture.

If you are currently saving hard for a deposit or building up your KiwiSaver for that first home, we would love to help you map out a plan to get to moving day sooner.

Find out how we help first home buyers turn savings into keys.
https://adviser.loanmarket.co.nz/bruce-harnell/products-services/first-home-buyers/

Address

101 Main Highway, Ellerslie
Auckland
1051

Opening Hours

Monday 8:30am - 8pm
Tuesday 8:30am - 8pm
Wednesday 8am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm
Saturday 9am - 5pm

Telephone

+6421335184

Website

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