SuperCity Mortgages & Insurance

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SuperCity Mortgages & Insurance

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We are one of New Zealand’s leading independently owned mortgage advisory firm We would rather see money in your pocket than in the banks’ profits.

Our team collectively has more than 75 years’ combined experience in lending, banking, insurance, and property investment. We came together with a common goal: to pass knowledge on to receptive clients who are wanting to create and protect their wealth. Our advisers each have their own specialties, and we work together to provide a complete lending, advice and insurance service. Connecting money, insurance, accounting and law enables a smooth process for our clients. We cover these areas to ensure complete confidence and peace of mind for every stage of the financial life cycle: setting goals, reducing debt, building an investment portfolio, wealth distribution and managing setbacks through asset protection. We find that close to 80% of our new clients are not reaching their potential with interest rate offerings and their loan structure is simply not working for them. On your behalf, our service can save you hundreds of thousands of dollars across the life of your loans. As advisers, we work for you, not for the bank, ensuring we have your best interests at heart. This gives our clients great confidence when we present the deal to the wide range of main bank and non-bank lenders we work with. We are a $300 million per year relationship to the banks, with thousands of clients across New Zealand and around the world. Let our level of influence and leverage benefit you. We operate under a Class 2 Financial Advice Provider License issued by the Financial Market Authority. Name of Financial Advice Provider (FAP): SuperCity Mortgages Group Ltd
Trading as: SuperCity Mortgages & Insurance
Our Financial Services Provider (FSP) 1002625

[email protected]
0800 MORTGAGES

20/09/2026

🏡 Mortgage Myth Monday

❌ Myth: If I can afford repayments at today’s interest rate, the bank will approve my home loan.

✅ Fact: Not necessarily. Banks assess affordability differently from most people expect.

Rather than using the advertised interest rate, banks generally apply a higher assessment/ sensitivity rate (like a stress test) to ensure you could still manage your repayments if rates rise in the future. One of the major banks increased this rate to over 7% today. They also include benchmark living expenses in their affordability assessment.

That’s why banks’ online borrowing calculators don’t always match what a bank will approve.

💡 Key Takeaway

Don’t rely on online calculators or today’s interest rates alone.

Before you start house hunting, find out your real borrowing power. We’ll compare multiple banks, explain how each assesses affordability, and help you understand your options with confidence.

📩 Send us a message to get started today

02/09/2026

📈 OCR UP AGAIN – NOW 2.75%

The Reserve Bank has lifted the OCR by 0.25% to 2.75% — the second increase in a row.

Why? Inflation is still too high at 4.1%, so higher interest rates are being used to help bring price pressures back under control.

🏠 What does this mean for homeowners?
It could put further upward pressure on mortgage rates, particularly floating and shorter-term rates.

If your mortgage is coming up for renewal, it’s worth reviewing your options rather than simply taking the first rate offered by your bank.

📩 Talk to the team at SuperCity Mortgages and we can help you compare your options and plan your next move.

06/08/2026

🏡 Another successful settlement! Congratulations to our wonderful clients on their new home. 🔑

It’s been a privilege to be part of their property journey since 2020, and we’re grateful for the trust they’ve placed in us over the years.

With today’s buyer’s market, there are more opportunities, more choice, and stronger negotiating power for buyers. Combined with competitive lending offers, now could be a great time to make your move.

Whether you’re buying your first home, your next home, or an investment property, we’re here to help. With access to 25+ banks and lenders, we’ll help you find the lending solution that best suits your needs.

📩 Thinking about buying? Get in touch with the SuperCity Mortgages team and let’s make your property goals a reality.

Congratulations again, and thank you for trusting us to be part of your journey! 🏡🎉

03/08/2026

🏡 Mortgage Myth Monday

❌ Myth: Self-employed people can’t get home loans.

✅ Fact: Self-employed borrowers can absolutely obtain lending. The documentation is often different, and choosing the right lender can make a significant difference.

💡 Key Takeaway

Being self-employed doesn’t mean you can’t get a mortgage. Every lender assesses self-employed income differently, so choosing the right lender and presenting your financials correctly can make all the difference.

Don’t just guess—review. Before assuming your options are limited, speak with a mortgage adviser. We’ll compare lenders, explain your choices, and help you find the solution that best suits your business and financial goals.

29/07/2026

⭐️⭐️⭐️⭐️⭐️

Another happy client, another successful journey. 🏡

Buying a home or refinancing doesn’t have to be stressful when you have the right adviser by your side.

A huge thank you to C. Choi for the kind words and for trusting Tony with your mortgage journey.

Whether you’re buying your first home, investing, or reviewing your current loan, Tony and the Supercity Mortgages team are here to help you make informed decisions every step of the way.

📩 Get in touch for a no-obligation chat.
[email protected]

27/07/2026

🏡 Mortgage Myth Monday

❌ Myth: I have to stay with my current bank when my fixed rate expires.

✅ Fact: You can compare lenders before you refix. Sometimes staying put is the right decision but not always. Reviewing your options could save money or better suit your goals.

💬 Key takeaway

Don‘t just renew. Review.

Before your fixed rate expires, speak to your mortgage adviser. We’ll compare your options across multiple lenders and help you choose the solution that best fits your goals, not just today‘s interest rate.

16/07/2026

📈 OCR is up.

The RBNZ increased the OCR from 2.25% to 2.50% last week and this is the first hike since May 2023. Most economists now expect further OCR increases before year-end, adding upward pressure to both floating and fixed mortgage rates.

With floating rates already increasing and pressure building on fixed rates, if your fixed loan is expiring soon, now is the time to review your options. We have access to 25+ banks and lenders and can help you compare competitive rates, cashback offers, and the right structure for your situation.

📩 Get in touch before your fixed rate expires.

08/05/2026

Another happy client 🙌

From securing a higher lending limit to maximising cashback on refinance, Tony is dedicated to getting the best outcome for every client.

Fast, professional, and always going the extra mile 🏡

Thinking about buying, refinancing, or investing?

📩 Reach out to Tony today ~ [email protected]

08/05/2026

🏡 Renovating your home? Now could be the perfect time.

For a limited time, eligible clients can top up their ANZ Home Loan with up to $50,000 with ANZ Reno Loan at just 2.5% p.a. fixed for 3 years to help fund renovations.

Whether you’re upgrading your current home or planning improvements as part of a purchase or refinance, this could help bring your renovation plans to life ✨

✔ Available for new & existing ANZ Home Loan customers
✔ Loans from $3,000–$50,000
✔ Great option for kitchens, bathrooms, extensions & more

📩 Message us to find out if you qualify.

Lending criteria, terms, conditions, and fees apply. Subject to ANZ approval.

08/04/2026

RBNZ agreed to hold the OCR at 2.25% unexpectedly today

• War in the Middle East has disrupted global supply chains, raising fuel prices.
• Inflation is expected to increase in the short term and the economic recovery to weaken. The extent to which inflation increases depends on how the conflict in the Middle East evolves.
• RBNZ are monitoring the situation closely. The Committee stands ready to act, to return inflation to the 2% midpoint of its medium-term target range.

RBNZ warns that “decisive and timely” OCR increases may yet be required depend on how the country reacts to annual inflation expected to spike to 4.2% in the June quarter.

Watch this space! If you have upcoming renewal, it’s time to check in with us before making any decisions.

Address

Level 8, 139 Quay Street
Auckland
1010

Telephone

+6421305008

Website

http://www.supercitymortgages.co.nz/

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