Kylee Smit Mortgages

14/10/2026

What could an extra $50 a week do for your mortgage?

Here’s something worth thinking about…

Two homeowners, both with a $500,000 mortgage, paying 5% interest over 30 years.

Homeowner 1 pays the minimum of around $619 a week.

Homeowner 2 pays just $50 extra a week.

Same loan. Same interest rate.

But here’s the difference!

Around $82,800 saved in interest!

Mortgage paid off approximately 4 years and 7 months earlier!

Not bad for an extra $50 a week!

We all focus on getting a great interest rate, but how you structure and repay your mortgage can make a huge difference too.

Sometimes it’s the little changes that save you the big dollars.

When was the last time you gave your mortgage a proper once-over?

13/10/2026

It’s about what’s best for my clients!

When I’m looking at lending options for my clients, I don’t just look at getting an approval or the lowest interest rate.

If you’re happy with your current bank, I’ll always see what they can offer first. But if I think another bank could offer you a better deal, I’ll look into that too.

There’s a lot more to consider than just interest rates. Cash contributions, how your loans are structured, your savings and how you use your everyday accounts can all make a difference.

And if I’m not happy with what a bank has come back with, I’m not afraid to go back and ask questions.

I’m not interested in placing lending with whichever bank pays me the most commission. I want to make sure my clients are getting the best overall deal for their circumstances.

Sometimes that means staying where you are, and sometimes it means moving banks.

At the end of the day, it’s about what’s best for you, not the bank or me.

12/10/2026

🐄🏡 Sometimes it’s worth questioning the numbers!

A really satisfying win for a sharemilking client today!

I approached their bank for a home loan pre-approval, but the amount they initially came back with was considerably less than what my clients needed.

Something just didn’t sit right with me.

I went back through the income figures the bank had used for their assessment and compared them with my own calculations. The numbers simply didn’t stack up!

Rather than accepting the initial assessment, I questioned the figures and asked the bank to review them.

🎉 The result? My clients have now been pre-approved for substantially more than the bank originally offered!

And this isn’t the first time I’ve come across this.

It makes me wonder how many people approach their bank directly, get told they can’t borrow enough to buy a home or small lifestyle property, and simply give up.

Of course, banks have responsible lending obligations, and rightly so. But it’s equally important that income is assessed correctly, particularly for sharemilkers and contract milkers.

Banks will often involve their rural lending teams when assessing this type of income, but that doesn’t mean you can’t have a mortgage adviser working alongside you and reviewing the numbers.

Sometimes having the right set of eyes on your application from the start can make all the difference!

If you’re a sharemilker or contract milker looking to buy a home or small lifestyle property, why not have a chat with me first? 😊

Kylee Smit | KSM

Feel free to message me for a confidential, no-obligation chat.

05/10/2026

🏡 Planning to buy in 2027? Start now.

Don’t make buying a home your New Year’s resolution in January.

If you are hoping to buy in 2027, starting the conversation now means that by the time January rolls around, you can already have a plan in place and know what you need to do.

Things don’t always happen overnight when it comes to getting mortgage ready. Sometimes it takes a bit of preparation like building your deposit, tidying up debt, looking at spending, sorting KiwiSaver, or understanding what the bank will want to see.

The earlier you start, the more time you have to get yourself into the strongest position possible.

So when the right property comes up, you are not starting from scratch.

Be first in. Be prepared. Be ready to move.

If buying in 2027 is part of your plan, feel free to send me a message and we can have an initial chat about where you are at and what your next steps could look like.

Kylee | KSM – Kylee Smit Mortgages
O272737411

28/09/2026

Could the equity in your home help you buy an investment property? 🏡

Example:

Home value: $900,000
80% of value: $720,000
Current mortgage: $500,000
Potential usable equity: $220,000

Looking at an investment property for $700,000?

A 30% deposit would be $210,000.

So potentially, the deposit could come from the equity in your existing home rather than needing $210,000 sitting in cash.

You would still need to meet the bank’s servicing, LVR and lending criteria.

Kylee Smit
0272737411

22/09/2026

21/09/2026

DID YOU KNOW?

You may not need a separate cash deposit to buy your first investment property.

If you have enough usable equity in your own home, you may be able to use that equity towards the purchase instead.

Want to know what your options could look like?

14/09/2026

I grew up a complete townie, so farm life definitely wasn’t part of my childhood 😂

I actually found the rural world by complete accident in 2005, when I applied for a receptionist job at Wrightson Insurance Brokers in Feilding. I had no farming background at all, but that job introduced me to the rural sector and, really, that’s where it all started.

Fast forward 21 years and now here I am raising a little farm girl who thinks paddocks, tractors, animals, gumboots and all the rest of it are just normal life.

And I absolutely love that.

It’s so different to how I grew up, and I think it’s pretty special that Frankie gets to have this kind of childhood.

Townie mum, farm kid. Funny where life takes you ❤️

14/09/2026

After preschool, Frankie loves heading out on the farm with her Dad.

Yesterday evening he was mowing the lawns, so of course she had to get her mower out and do the same 😂

She absolutely loves following him around atm and getting involved in whatever he’s doing.

Not sure how much lawn she actually got mown… but she definitely looked the part 😂

11/09/2026

Fridays are meant to be my day off… technically. 😂

Really, they are my day with Frankie pony lessons, swimming, little adventures and making the most of this stage before she starts school at the end of January.

Of course, somewhere in between all of that, I still seem to find myself checking emails and helping clients.

I wouldn’t really have it any other way. They are only little once, and I’m pretty lucky to have awesome clients I genuinely enjoy helping too. ❤️