Kylee Smit Mortgages

Kylee Smit Mortgages Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kylee Smit Mortgages, Insurance broker, Cambridge.

Waikato based, helping Kiwi’s in Cambridge, Te Awamutu, Otorohanga, Te Kuiti, Matamata, Morrinsville, Tirau, Ngaruawahia, Raglan, Hamilton and surrounding areas with home loans, refinancing, fixed rate reviews, asset and personal finance.

Buying your first home while working in dairy? 🏡🐄Sometimes the tricky part isn’t the income… it’s getting someone to und...
02/09/2026

Buying your first home while working in dairy? 🏡🐄

Sometimes the tricky part isn’t the income… it’s getting someone to understand it.

They see “this season” and assume you are a seasonal worker.
They ask why there’s little or no income showing for a couple of months.
And sometimes dairy farmers don’t even have a bank manager because they’ve never needed farm lending… so when they contact the bank, the person looking at the application may not understand how dairy income works.

That’s where having someone who knows farming can make a real difference.

I live it, I know it, and I know how to explain the story behind the numbers.

If you’re working in dairy and thinking about buying your first home, send me a message and let’s have a chat.

Kylee Smit

02/09/2026

The neighbours have heard I’m pretty good at milking a better deal out of the banks. 🐄😂

I’ve been a little quiet while I’ve been away enjoying some family time, but I’m back and ready to help with your mortga...
31/08/2026

I’ve been a little quiet while I’ve been away enjoying some family time, but I’m back and ready to help with your mortgage goals 🤍

Whether you’re buying your first home, refinancing, renovating, investing, building, or simply wanting to check that your current mortgage is still working well for you, I’d love to hear from you.

If you’ve been putting off a mortgage conversation or aren’t sure where to start, send me a message or get in touch today. I’m happy to have a chat, answer your questions and talk through your options with you.

Let’s make a plan for your next step.

Kylee
KSM | Kylee Smit Mortgages
027 273 7411
www.ksmortgages.co.nz

Was sent this photo from a friend at the awards dinner in Fiji and had no idea I was going to be recognised in the Topaz...
20/08/2026

Was sent this photo from a friend at the awards dinner in Fiji and had no idea I was going to be recognised in the Topaz Category.

Such a cool surprise and pretty stoked. Would have been nice to actually be there too haha!

What a great team effort all round, and most importantly, such awesome clients to work with. Buying and selling at the s...
22/06/2026

What a great team effort all round, and most importantly, such awesome clients to work with. Buying and selling at the same time definitely comes with its challenges, but you both took it all in your stride. Thanks so much for trusting me throughout the process and congratulations on your new home! 🏡✨

A special shout out to Amy and Erin as well. Your communication was outstanding and made the whole process so much easier. Always a pleasure working with such a great team!
Cambridge Real Estate
Amy de Clifford Real Estate
Lewis Lawyers

🚜🐄 What is Gypsy Day? 🐄🚜If you're not from a farming background, you may be wondering why there are stock trucks, moving...
31/05/2026

🚜🐄 What is Gypsy Day? 🐄🚜

If you're not from a farming background, you may be wondering why there are stock trucks, moving trucks, and busy rural roads on 1 June!

Gypsy Day marks the start of the new dairy season in New Zealand and is traditionally the day many farming families move farms, start new roles, and begin a new chapter.

For those involved, it's more than just moving day. It's a fresh start, a chance to set new goals, embrace new opportunities, and work towards achieving great things in the season ahead.

Whether you're moving farms, stepping into a new role, or continuing on your current journey, here's to a successful season, achieving your goals, and making the most of the opportunities ahead.

Wishing all farming families a safe and successful season. 🌱🍀

🏡 Things people say to me often:“I’ll never get approved.”“I’m self-employed, so I probably can’t.”“We need a 20% deposi...
18/05/2026

🏡 Things people say to me often:

“I’ll never get approved.”
“I’m self-employed, so I probably can’t.”
“We need a 20% deposit, don’t we?”
“We’ll wait another year…”

And surprisingly often… they’re wrong 😄

Sometimes people are a lot closer than they think.

If you’re wondering about buying your first home, refinancing, investment lending, business finance, or just want to know what your options actually look like, send me a message.

📱 Kylee Smit – KSM

A good reminder that as visibility grows, so does noise. I’m taking it as a sign of progress 😌Appreciate the continued ...
09/05/2026

A good reminder that as visibility grows, so does noise. I’m taking it as a sign of progress 😌

Appreciate the continued support, referrals, and trust from everyone who’s part of the KSM journey

I often see people worrying about small debts like credit cards or personal loans, thinking they need to be completely c...
30/04/2026

I often see people worrying about small debts like credit cards or personal loans, thinking they need to be completely cleared before applying.

In reality, if your income supports it and everything still fits comfortably within affordability, it can still be absolutely fine.

For example, someone might have a credit card balance or BNPL account, but if their overall position is strong, it doesn’t necessarily stop things progressing.

It’s always about the full picture, not one single item.

I’ve started this “Behind the Approval” series to help people understand a bit more about how mortgage decisions can act...
30/04/2026

I’ve started this “Behind the Approval” series to help people understand a bit more about how mortgage decisions can actually play out. The idea is to help you feel more prepared going into the process, because what you might be expecting isn’t always how it works in reality, and everyone’s situation can be quite different.

Address

Cambridge
3494

Opening Hours

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

Telephone

+64272737411

Website

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