Michelle Proudfoot at Loan Market

Michelle Proudfoot at Loan Market I help people in Auckland find the best home loan deals. I work to remove property buying barriers and make it easier for my clients.

If you've been searching for the right property move, the data suggests that regional locations are boasting more growth...
12/07/2026

If you've been searching for the right property move, the data suggests that regional locations are boasting more growth than city centres.

According to Cotality’s June 2026 Mapping the Market report, national house values are tracking broadly sideways. However, beneath the surface, a major regional divide has opened up driven entirely by affordability.

Lower-priced regional markets are leading the pack. Standalone houses in pockets throughout Southland cleared over 14% annual growth, while regional parts of the North Island like the Bay of Plenty and South Waikato saw double-digit townhouse growth of at least 10%.

Meanwhile, larger urban centres are encountering headwinds as cautious buyers navigate a high volume of listings.

It is a clear reminder that there isn’t just one property market. In a climate where affordability is the ultimate driver, having a strategy tailored to your exact budget is everything.

Wherever you are looking to buy, talk to us about what is possible for your budget.

Mānawatia a Matariki.Whether you're gathering together to share a meal, reflecting on the year that's passed, or simply ...
09/07/2026

Mānawatia a Matariki.

Whether you're gathering together to share a meal, reflecting on the year that's passed, or simply enjoying a quiet long weekend with whānau, today we join you in welcoming the Māori New Year.

Wishing you and your loved ones a restful and happy Matariki.

The Reserve Bank has announced its latest update, increasing the Official Cash Rate to 2.5%.If you have a mortgage or yo...
08/07/2026

The Reserve Bank has announced its latest update, increasing the Official Cash Rate to 2.5%.

If you have a mortgage or you are currently house hunting, this news changes the landscape a little bit. When the OCR moves, lenders generally adjust their own interest rates in response. For homeowners, that can shift your regular repayments. For buyers, it can reshape your overall borrowing power.

Changes in the market are a standard part of the property cycle, so there is no reason to feel uneasy. Navigating a rate rise just comes down to preparation and having the right plan tailored to your situation.

Whether you need to review an existing mortgage or want to check how this impacts your budget for an upcoming purchase, taking a proactive look at the numbers is a great next step.

You’ve scrolled the property portals, prompted AI chatbots, tracked interest rates and tested online calculators. Yet, y...
06/07/2026

You’ve scrolled the property portals, prompted AI chatbots, tracked interest rates and tested online calculators. Yet, you’re still left wondering what to do next.

You aren't alone in feeling that way. Cotality’s AI in Housing Survey shows a major shift back toward the human element, with 55% of buyers now explicitly preferring to work face-to-face with a professional to secure their mortgage.

Even though technology is everywhere, having more data hasn't made people feel more confident.

Technology can give you endless automated answers, but it cannot tell you how that data applies to your situation, your income, your goals, or the lender who's actually going to say yes.

Talking to a mortgage adviser can help you make sense of it all. Bring us your questions, chatbot answers and screenshots. We can help you map out your next steps on a discovery call.

Request an appointment here: https://adviser.loanmarket.co.nz/michelle-proudfoot/contact-us

On the pitch, a winning game plan requires adjusting when the match changes. The same rule applies to your mortgage.If y...
03/07/2026

On the pitch, a winning game plan requires adjusting when the match changes. The same rule applies to your mortgage.

If your fixed rate is expiring over the next few months, letting it roll over automatically onto a default rate could mean missing out on a better option. Right now, lenders are competing hard behind the scenes with sharp rates and incentives to secure your business.

You don't have to wait until the final whistle blows on your current term to look at your choices. Looking at your strategy early puts you completely in control of the scoreboard.

Is your home loan set up to win?

Unlock your financial dreams and tick off your goals, one square at a time.Which ones would you like to tick off your li...
02/07/2026

Unlock your financial dreams and tick off your goals, one square at a time.

Which ones would you like to tick off your list this year?

The bank isn't lending you money based on today's interest rate. They're testing whether you could still afford your rep...
29/06/2026

The bank isn't lending you money based on today's interest rate. They're testing whether you could still afford your repayments if rates went up.

Different lenders apply different servicing test rates, so it is important to be matched with the right lender, but they will always test your income against a much higher rate than what you are actually offered.

So that's the servicing test rate, and it's why some people get knocked back even when they can comfortably afford the loan on paper.

It's a sensible safety measure, but it does mean your borrowing capacity may be lower than the headline rate suggests. Knowing your number before you fall in love with a purchase makes all the difference.

If you want us to run the numbers on your specific circumstances, reach out.

https://adviser.loanmarket.co.nz/michelle-proudfoot/contact-us

There is a massive difference between spending money on things you actually enjoy and leaking cash on convenience you di...
26/06/2026

There is a massive difference between spending money on things you actually enjoy and leaking cash on convenience you didn’t even care about. The $18 delivery fee wasn't the treat; the food was.

The people who build real financial momentum aren't the ones cutting absolutely everything out of their lives. They're just the ones who know the difference. Intentional spending reads incredibly well to a lender, and so does a steady savings pattern, even a modest one.

You don't have to be perfect. You just have to be deliberate.

Follow for more savvy saving tips in our That's How They Get You series.

Nothing beats celebrating a great result with our clients! We are incredibly grateful for the trust you place in us. Wha...
24/06/2026

Nothing beats celebrating a great result with our clients! We are incredibly grateful for the trust you place in us.

Whatever your financial goals look like, we're here to help you move forward with clarity and ease.

Let’s connect today to discuss how we can help. ⭐

Loyalty is a beautiful thing, but maybe not when it comes to your lender. You deserve to know if your home loan is still...
23/06/2026

Loyalty is a beautiful thing, but maybe not when it comes to your lender. You deserve to know if your home loan is still putting in the work for you.

If you haven't reviewed your mortgage in the last 12 months, the market has changed significantly and there could be a much better option available.

We can compare loan products from over 30 banks and lenders so you don't have to, and we handle all the paperwork from start to finish. It costs you absolutely nothing to find out where you stand.

Talk to us. 💬

Address

Auckland
1041

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm
Sunday 8am - 6pm

Telephone

+64272321542

Website

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