Trish Smith - Loan Market Mortgage Adviser

Trish Smith - Loan Market Mortgage Adviser Providing easy to understand advice and supporting my clients in achieving their financial goals.

Going straight to your bank feels like an easy starting point, but it only gives you one piece of the puzzle. A single l...
17/09/2026

Going straight to your bank feels like an easy starting point, but it only gives you one piece of the puzzle. A single lender can only offer you their own specific products, rates and criteria.

A mortgage adviser can scope out options across the market including major banks and specialist lenders, to find the right loan to suit your long-term financial goals.

From handling the paperwork to negotiating competitive rates and managing your loan over time, advisers act as a dedicated advocate in your corner.

Ready to see how your options compare? Send a message anytime to chat through your numbers.

There is a real sense of pride in sitting in an empty living room, knowing the deposit came before the furniture.If you ...
16/09/2026

There is a real sense of pride in sitting in an empty living room, knowing the deposit came before the furniture.

If you are currently saving hard for a deposit or building up your KiwiSaver for that first home, we would love to help you map out a plan to get to moving day sooner.

Find out how we help first home buyers turn savings into keys.
https://adviser.loanmarket.co.nz/universal/products-services/first-home-buyers/

Kia ora! This week we are celebrating Te Wiki o te Reo Māori.Language thrives when it is spoken every day. Whether it is...
13/09/2026

Kia ora! This week we are celebrating Te Wiki o te Reo Māori.

Language thrives when it is spoken every day. Whether it is greeting a colleague, chatting with clients, or practicing new phrases with whānau, normalising te reo Māori in our daily conversations helps keep the language strong for generations to come.

Every word, phrase, and effort counts towards making te reo a natural part of everyday life across Aotearoa.

Kia kaha te reo Māori!

Most people start looking at property based on a guess of what they can afford. They take their income, subtract the mor...
11/09/2026

Most people start looking at property based on a guess of what they can afford. They take their income, subtract the mortgage their mate has, and adjust for vibes.

A quick borrowing capacity conversation takes about 20 minutes. It costs nothing and could save you valuable time and potential heartbreak. 💔

Call it sense and serviceability.

The latest data from Cotality shows borrowers in New Zealand are making very deliberate moves right now.First home buyer...
08/09/2026

The latest data from Cotality shows borrowers in New Zealand are making very deliberate moves right now.

First home buyers are taking full advantage of low-deposit lending, while existing mortgage holders are locking in longer fixed terms for certainty. With roughly 30% of home loans due to refix in the next six months, having a clear strategy in place is key.

Understanding how these trends apply to your budget can help you plan your next move with confidence.

Read the full breakdown on our blog.
https://adviser.loanmarket.co.nz/universal//blog/borrowers-show-resilience-as-mortgage-trends-shift/

For the dad who somehow knew interest rates were moving before the Reserve Bank did. Who has been providing advice for a...
05/09/2026

For the dad who somehow knew interest rates were moving before the Reserve Bank did. Who has been providing advice for as long as you can remember, whether you asked for it or not.

He's never worked in finance but insists you should have "just asked him first" before you signed anything.

And somehow, annoyingly, he's usually right.

Happy Father's Day! 💙

03/09/2026

Yesterday the Reserve Bank made its move, lifting the Official Cash Rate to 2.75 to stay ahead of domestic inflation.

While a rate increase isn't what anyone wanted to hear, taking fast action is how you protect your cash flow. With more than half of all NZ mortgages up for renewal over the next year, reviewing your loan structure now shifts from a 'nice-to-do' to a top priority. For buyers, it also means bank borrowing limits will tighten quickly.

You don't have to navigate this shift on your own. Get in touch today, and let's review your loan structure to make sure your finances stay airtight.”

✅ 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/universal/about-us/trish-smith

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.

Address

North West Shopping Centre 1/7 Fred Taylor Drive, Massey Westgate
Auckland
0814

Opening Hours

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

Telephone

+64225112733

Website

Alerts

Be the first to know and let us send you an email when Trish Smith - Loan Market Mortgage Adviser posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Trish Smith - Loan Market Mortgage Adviser:

Shortcuts

Featured

Share

Category