Integrity Mortgages

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

✅ We compare your options across our wide range of lenders, not just the main banks.✅ We handle the paperwork so you are...
02/09/2026

✅ We compare your options across our wide range of lenders, not just the main banks.

✅ We handle the paperwork so you are not chasing bank statements, payslips, and proof of income yourself.

✅ We negotiate directly with lenders on interest rates, loan structures, and special offers.

✅ We check the fine print for hidden details, like break costs, revolving credit terms, and extra repayment limits.

✅ We stay in your corner long after settlement, reviewing your fixed rate before it renews to keep your loan competitive.

✅ We work for you, not the bank.

Want to know what an adviser can do for you? Reach out to start a no-obligation chat.

https://adviser.loanmarket.co.nz/bruce-harnell/contact-us

The Reserve Bank of New Zealand has announced its latest update, increasing the Official Cash Rate to 2.75%.If you’re cu...
02/09/2026

The Reserve Bank of New Zealand has announced its latest update, increasing the Official Cash Rate to 2.75%.

If you’re currently paying off a mortgage or house hunting, back-to-back rate movements mean it’s time to take a fresh look at your setup. When the OCR goes up, lenders typically adjust their interest rates in response. For existing mortgage holders, that can mean higher repayments when your rate rolls over and for buyers hunting in the property market, it can reshape your borrowing capacity.

Movement in the market is a standard part of the cycle, so there’s no need to feel uneasy. Managing an upward rate shift simply comes down to good preparation and having a plan tailored to your financial goals.

Whether you need to review a fixed rate expiring soon or want to check how this impacts your buying budget, getting proactive with your numbers is the best next step. Let’s get your strategy sorted early.

If you have been living in a house you have been meaning to renovate for years, you are definitely not alone.The reno co...
31/08/2026

If you have been living in a house you have been meaning to renovate for years, you are definitely not alone.

The reno conversation is happening around kitchen tables all over New Zealand right now. And the finance side (accessing equity through a top-up, getting a renovation loan, or arranging construction finance) is actually one of the easier parts of the process to map out.

Before you call the builder, it is worth knowing what you can access and how. The numbers on those quotes might look very different once you know what you actually have to work with.

We can help you figure that out. Feel free to send a message if you ever want to chat through your options.

Whether you are pinning a daffodil to your jacket, dropping a donation in a street collector's bucket, or remembering a ...
27/08/2026

Whether you are pinning a daffodil to your jacket, dropping a donation in a street collector's bucket, or remembering a loved one today, we join you in supporting the Cancer Society and the incredible work they do for Kiwi families.

Thank you to everyone helping make a difference across our community today.

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently. It shift...
27/08/2026

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently.

It shifts with your income, living expenses, existing debts, and interest rates. With rates sitting higher than they were a couple of years ago, your borrowing capacity might look quite different today compared to what you expected.

Getting a clear picture of your actual baseline numbers is simply step one before you start looking at properties or making big financial plans.

Feel free to send a direct message if you ever want to check where your baseline sits in today's market.

Getting a home loan when you're self-employed has a number of hoops to jump through. The good news is that advisers who...
25/08/2026

Getting a home loan when you're self-employed has a number of hoops to jump through.

The good news is that advisers who work regularly with self-employed clients know exactly which lenders understand business income and how to structure an application that actually reflects how your finances work.

It's not impossible. You just need the right person in your corner 🙋
https://adviser.loanmarket.co.nz/bruce-harnell/products-services/self-employed-loans

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However,...
20/08/2026

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However, if you are looking to step up to a larger property, the actual price gap between the two homes is what matters most.

Recent data from Cotality shows that the cost of moving from a three bedroom to a four bedroom house has narrowed in several key areas across New Zealand.

Because higher value homes often adjust more in dollar terms during quieter periods, the gap you need to bridge to get extra space can actually be smaller than it was a few years ago.

If upgrading your home is part of your long term plan, quieter market conditions can sometimes open up opportunities that do not exist in a fast moving market.

Read the full breakdown on our blog.
https://adviser.loanmarket.co.nz/bruce-harnell//blog/the-cost-of-trading-up-falls-in-some-key-markets/

Serviceability is simply the bank testing your home loan against a higher test rate. They aren't just looking at whether...
19/08/2026

Serviceability is simply the bank testing your home loan against a higher test rate. They aren't just looking at whether you can afford the repayments today, they are checking that you will still be comfortably paying it off if interest rates shift down the track.

It can feel like a tough hurdle when you are applying for a home loan, but it is really just designed to protect you and make sure your mortgage remains manageable long-term.

17/08/2026

Juggling multiple debts? The simplicity of debt consolidation might be the right option for you.

One payment. One due date. Less stress.

We can look at your whole financial picture to see if debt consolidation is right for you.

DM to book in a discovery call 💬

Doing the prep work in winter means you are ready to move fast when spring listings hit the market. Sorting your pre-app...
12/08/2026

Doing the prep work in winter means you are ready to move fast when spring listings hit the market. Sorting your pre-approval now puts you in the driver's seat to buy with confidence and be settled into your new home by summer.

Knowing your true borrowing power is the first step. Use our free online calculator to start running the numbers and reach out to get closer to your property goal.

Find out here 👇
https://adviser.loanmarket.co.nz/bruce-harnell/tools-help/borrowing-power-calculator/

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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