Tenzin Choedon - Mortgage Adviser

Tenzin Choedon - Mortgage Adviser My goal is to make the Home Loan process stress-free so you can concentrate on choosing your home.

My Name is Tenzin Choedon and I am a Registered Mortgage Adviser with Loanmarket. I have worked in the financial services industry for 19 years and I can help you through the home loan process whether you are purchasing your first home, investment property or selling and purchasing a home at the same time. I have worked in the Bays for over 4 years and I am very much local. Outside of work you wil

l either find me in a local cafe or enjoying a
stroll on the beautiful Tamaki drive. I became a mortgage adviser to pursue my real passion..... Working
with people. I love helping clients achieve some pretty significant
milestones and showing them how to navigate the process to meet
those goals. Banks are very black and white so I see it as my role to
find solutions and lender policies that work for my clients and their
unique situation. I also believe in building long term relationships where you get to know
who you are working with. I find this crucial in providing financial advice
that best suits my client's needs and NOT the banks. When we make any other purchase, we shop around to get the best
deal, yet when arranging our mortgages, we often accept the offer provided by our current bank. As your adviser, I will do the shopping around for you - at no cost to you, leaving you to focus on the important task of finding your new home. HOW CAN I HELP YOU?
• Access to NZ's larget panel of lenders 20+
• Ability to negotiate competitive deals.
• Save you time and money by finding the right loan to match your financial goals.
• Provide a service that is at no cost to you as I'am paid by the lender you choose. I can assist with First Home purchases, Construction Lending, Refinancing, Debt Consolidation, Purchasing Investment Properties, Top up on Existing Mortgages and Fixed Rate Renewals. I am available via phone or email to discuss your mortgage requirements and look forward to meeting you at your work place, home or the local café.

Feeling the love! 💐🍰 A huge thank you to our amazing clients for the thoughtful gifts — you’ve made our day. We're so gr...
26/06/2025

Feeling the love! 💐🍰 A huge thank you to our amazing clients for the thoughtful gifts — you’ve made our day. We're so grateful for your trust and support. Helping you into your dream homes is what we love most! 💛
Need expert mortgage advice? We're just a message away.

On Anzac Day, we honor the courage, sacrifice and resilience of all those who served and continue to serve. 🇳🇿🌿
25/04/2025

On Anzac Day, we honor the courage, sacrifice and resilience of all those who served and continue to serve. 🇳🇿🌿

With a choice of over 20+ lenders, there’s no need to put all your eggs in one basket. 🧺🐣
18/04/2025

With a choice of over 20+ lenders, there’s no need to put all your eggs in one basket. 🧺🐣

🏦 RBNZ cuts OCR to 3.5% – What it means for your mortgage📉 Fifth cut since Aug 2024 – total 2.00% reduction🌍 Prompted by...
10/04/2025

🏦 RBNZ cuts OCR to 3.5% – What it means for your mortgage
📉 Fifth cut since Aug 2024 – total 2.00% reduction
🌍 Prompted by global uncertainty from recent US tariffs

💰 Impact on mortgage rates:
Floating rates: Likely to drop 20–25 bps soon
Fixed rates: Already dipping as wholesale rates fall
1-yr swaps ↓ from 3.50%
2-yr swaps ↓ from 3.45%

Short-term fixed (1–2 yr): Could fall to 4.5–5% by year-end
Long-term fixed: Little change expected for now

🔍 Full story:
https://www.rnz.co.nz/news/business/557581/why-4-point-5-percent-home-loan-rate-could-be-on-cards-after-us-tariffs
Interest.co.nz
https://www.interest.co.nz/economy/132753/bnz-economists-reiterate-their-longstanding-prediction-rbnz-will-ultimately-take

📞For more info & personalised advice:
Email: [email protected]
Phone: 021 404006

Turn your building dreams into reality. 👷🏽🏠Whether it’s a newly built home, a full renovation or just a few upgrades, a ...
09/04/2025

Turn your building dreams into reality. 👷🏽🏠
Whether it’s a newly built home, a full renovation or just a few upgrades, a construction or renovation loan could help you get started.

27/11/2024

OCR Update – Key Impacts
The Reserve Bank of New Zealand has cut the Official Cash Rate (OCR) by 50 basis points, from 4.75% to 4.25%.

Interest Rates
Floating Rates: Immediate impact for new borrowers; existing clients will see reductions in two weeks.
Fixed Rates: Adjustments expected from banks in the coming days, likely modest.

Servicing Test Rates
Lending test rates will drop by 50bps next week, increasing borrowing power by approximately $50,000.

Further insights to follow as RBNZ leaders address Parliament tomorrow. But for now, it may pay to review your mortgage structure or explore borrowing options.

For tailored advice, get in touch today.
Tenzin Choedon - Mortgage Adviser - 021 404 006
[email protected]

08/10/2024

Two key changes from ANZ today that might impact your home loan decisions.

1. Limited-Time 12-Month Fixed Rate: 5.59% p.a.
As of Tuesday, 08 October, ANZ has introduced a 5.59% p.a. fixed rate for 12 months, available for a limited time. While we wait for tomorrow’s OCR announcement, this rate factors in the anticipated drop and is highly competitive.

2. Developer Cash Contributions Now Accepted
ANZ will now accept developer cash contributions toward client deposit, up to $10,000 per applicant per Sale and Purchase Agreement.

Key points:
Must be outlined in the agreement with no claw back conditions.
Funds are to be deposited into your solicitor’s trust account upon an unconditional contract.
Not accepted for loans over 80% LVR as 'genuine savings.'
Clients must still have a minimum 5% genuine saving.

If you are interested or have questions, let me know!

For more information, feel free to reach out: Tenzin Choedon - Mortgage Adviser - 021 404 006

Perfect timing ! Thanks for your kind words and the bubbles Andrew and Nishi. It was our pleasure and this was a perfect...
30/08/2024

Perfect timing ! Thanks for your kind words and the bubbles Andrew and Nishi. It was our pleasure and this was a perfect way to cap off friday arvo drinks and wrap up the week. 😂🥂

19/04/2024

Exciting news for home owners! 🏡👨‍👩‍👦

We are thrilled to announce a special 3 Year fixed rate of 5.99%.

This offer is available to both clients with 20% deposit and those who qualify for First Home Loans with a minimum deposit of 5%.

Contact us today to learn more and start your home ownership journey.

Despite speculations of a potential rate cut by various economists and financial institutions, the OCR remained unchange...
10/04/2024

Despite speculations of a potential rate cut by various economists and financial institutions, the OCR remained unchanged today @ 5.5%. This decision reflects the Reserve bank's stance on the current economic conditions and its commitment to manage inflation albeit expectations are for Consumer price index (CPI) to come under control this year with market pricing in a cut in the later half of 2024.

The next update on the OCR is scheduled for May 22, 2024.

RBNZ holds OCR at 5.50%, says restrictive OCR for sustained time will return CPI inflation to 1% to 3% target in 2024

Address

10 Polygon Road
Auckland
1071

Opening Hours

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

Telephone

+6421404006

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