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

When the headlines say the property market is quiet, most people freeze. But seasoned property investors do the exact op...
02/06/2026

When the headlines say the property market is quiet, most people freeze. But seasoned property investors do the exact opposite.

Latest data from Cotality shows that multiple property owners are quietly holding a 24% share of the property market right now.

While everyone else is hesitating, they are capitalising on less competition and better negotiating power. And with tax rules like 100% interest deductibility fully back in play, the math on long-term wealth creation is stacking up again.

If you already own a home, you might be closer to buying your first rental property than you think.

Explore our website to see how you could use your current position to start investing.

https://adviser.loanmarket.co.nz/bruce-harnell/products-services/investment-loans/

Happy King’s Birthday!There is nothing quite like a long weekend to make you look around your home and start planning a ...
31/05/2026

Happy King’s Birthday!

There is nothing quite like a long weekend to make you look around your home and start planning a few upgrades.

Whether it’s modernising your kitchen, refreshing your bathroom, or practical maintenance like roofing and painting before the winter weather turns, you don't necessarily have to sell to get the space you want.

There are some competitive renovation loan options in the market right now designed specifically to help you fall in love with your home all over again.

Enjoy the rest of your day off, and let’s chat later this week about exploring your options.

The Reserve Bank of New Zealand has held the Official Cash Rate steady at 2.25% once again in today’s announcement.This ...
27/05/2026

The Reserve Bank of New Zealand has held the Official Cash Rate steady at 2.25% once again in today’s announcement.

This extended period of stability gives Kiwis a steady window to review their options. However, a "paused" cash rate doesn't mean you should leave your mortgage on autopilot.

If you have a fixed rate up for renewal soon, or you're planning a property move, now is the time to look at your options.

Let’s get your strategy sorted early. Reach out today for a quick mortgage review!

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔Accor...
25/05/2026

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔

According to the latest QV data, while the rapid inflation of previous years has eased, new short-term pressures are emerging:

🏗️ Fuel-driven spikes: Rising diesel prices have caused an immediate 7.8% jump in excavation costs, with site preparation and demolition also trending upward.

⏳ Shorter quote validity: Due to this volatility, many builders are narrowing their quote validity periods to 30 days or less, requiring homeowners to be ready to act quickly.

💰 Contingency buffers: Lenders are closely monitoring project feasibility, often requiring a robust contingency buffer of 10% to 20% to account for variations.

The good news? With overall cost growth remaining relatively moderate at 0.4% in March, a well-structured plan can still see a project move forward successfully.

Read more on the blog for our full breakdown of what is driving costs and how to plan your finances smarter.

https://adviser.loanmarket.co.nz/bruce-harnell/blog/construction-costs-steady-overall-but-fuel-prices-add-pressure/

Buying a home involves more than just the purchase price; it’s about your LVR.The Loan-to-Value Ratio is how lenders ass...
20/05/2026

Buying a home involves more than just the purchase price; it’s about your LVR.

The Loan-to-Value Ratio is how lenders assess their risk and determine your interest rate structure. In New Zealand, if your LVR is over 80% (meaning your deposit is less than 20%), you usually need to factor in Low Equity Margins or Fees.

Understanding this ratio early helps you plan your deposit strategy more effectively and know exactly what your repayments will look like.

Reach out if you want to run the numbers for your specific situation.

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

Shoutout to every parent who let a school zone map guide their property search. Zero regrets. All heart. 🏠 With many sc...
17/05/2026

Shoutout to every parent who let a school zone map guide their property search. Zero regrets. All heart. 🏠

With many schools opening their 2027 enrolment applications this month, we know the "zoning" conversation is happening at dinner tables across Aotearoa right now.

Whatever your ambition, whether it's getting into a specific zone or just finding more space for a growing family, we're here to help you make it happen.

Let's chat about your next move.

Petrol prices have jumped 18.6% recently, and if you’re tired of the pain at the pump, it could be time to look at a swi...
16/05/2026

Petrol prices have jumped 18.6% recently, and if you’re tired of the pain at the pump, it could be time to look at a switch. 🔋 ⚡

As of this month, new rules are fast-tracking the rollout of public charging hubs across NZ. 🏗️

To support your switch at home, most major banks are currently offering Green Loans to help finance an EV or home charging station at low interest rates.

We’ve broken down the new rules and how these eco-friendly upgrades can add long-term value to your home in our latest blog.

https://adviser.loanmarket.co.nz/bruce-harnell/blog/ev-charger-rollout-to-accelerate-under-new-rules/

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep ...
14/05/2026

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep more money in your pocket.

Here’s why your future self will thank you:

🚫 Avoid unnecessary fees. In NZ, late fees for utilities or phone bills often sit around $15 to $20, which can add up quickly if multiple bills are missed.

📉 Save on interest. Staying current means you aren't paying extra interest on top of things you’ve already purchased.

🏠 Protect your credit history. Consistent, on-time payments are a significant factor in your credit record. A strong history helps when it’s time to apply for a major goal, like a car or a home.

🤸‍♀️ Reduce "did I pay that?" anxiety. Handling bills early gives you peace of mind and a clear headspace for your bigger financial goals.

Setting up Direct Debits or Automatic Payments is an effective way to stay organised, you can simply set them up and watch your progress grow.

How are you staying on top of your financial goals this month? 👇

📉 According to the latest Cotality data, owner-occupier lending for low-deposit borrowers is sitting well below the offi...
12/05/2026

📉 According to the latest Cotality data, owner-occupier lending for low-deposit borrowers is sitting well below the official 25% "speed limit". In fact, it’s even trailing the banks’ own self-imposed 20% cushions.

What does this mean for you?

🏠 For owner-occupiers: There is headroom in the market, but banks are being selective. You need a polished loan application to stand out.

🏦 For investors: The shift from a 5% to 10% limit on low-deposit lending is providing more opportunity for those looking to grow their portfolio.

🔄 For those re-fixing: With approximately 58% of mortgages due to re-fix in the next 12 months, it is a great time to review your loan structure.

The rules have relaxed, but caution remains. We know which lenders are ready to move and how to position your loan application for a successful outcome.

Thinking of a move? Let’s chat about your LVR.

Motherhood doesn't fit in a job description. It's a thousand invisible roles, filled every day, without fanfare. Today, ...
10/05/2026

Motherhood doesn't fit in a job description. It's a thousand invisible roles, filled every day, without fanfare.

Today, we're taking a moment to name some of them and to say thank you to every woman who has shown up in this way, whether she carried you, chose you, or simply loved you like her own.

Happy Mother's Day! Te Rā o Māmā!

Address

101 Main Highway
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

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