The Mortgage Girls

02/11/2026

With mortgage rates climbing, Kiwi homeowners coming up for refixing are facing an important decision: lock in for the short term, go longer for certainty, or split their lending across different fixed terms?

The Mortgage Girls multi-award-winning mobile mortgage adviser Laura te Kaat recently shared her expert insights with NZ Adviser, discussing how she helps clients weigh up their options, including using break-even calculations to understand the potential trade-offs between shorter and longer fixed terms.

Because choosing a mortgage isn't just about chasing the lowest rate today. It's about finding a loan structure that works for your budget, your plans and your peace of mind.

Coming up for refixing, or wondering whether your current mortgage is still working for you? A conversation with a mortgage adviser can help you understand your options.

Read the full NZ Adviser article via the link in the comments, or get in touch with The Mortgage Girls today to chat about your mortgage options.

26/10/2026

The Mortgage Girls is proud to be participating in The Great Canterbury Duck Race 2026 this coming Sunday, continuing a tradition we've enjoyed since 2019!

This year, our duck is taking inspiration from Despicable Me, Gru and his squad! If you've been to an industry event with us before, you might know that our team has a bit of a reputation for showing up dressed as Minions 😂

So, keep your eyes peeled for any riverside Minions on race day… It could be one of our mortgage advisers!

Organised by Life Education Trust Canterbury, this fantastic community event raises funds to support the Healthy Harold programme in Canterbury schools. It's a wonderful cause that helps tamariki develop the knowledge and confidence to make healthy decisions for themselves.

Come along and cheer on our duck!

📅 Sunday 1 November 2026
🦆 Businesses of Canterbury Duck Race, 1:00pm
🦆 Community Duck Race, 1:30pm

Want to get involved? Community ducks are available for $10 on the day, so bring the whānau along and join in the fun!

Learn more about the Duck Race and the amazing work of Life Education Trust Canterbury: www.lifeeducationcanterbury.org.nz

23/10/2026

Sliding into the long weekend like Mackenzie Elyce's daughter 🥳

Whether its heading away, spending time with friends and family, or just getting stuck in jobs around the house we hope its a good one!

Here to making memories, having a few laughs and enjoying an extra day off.

❤️

22/10/2026

Got questions about your mortgage? Michelaé is here to help!

Whether you’re buying your first home, refinancing, reviewing your current mortgage or simply wondering what your options might look like, you don’t have to figure it all out on your own.

Michelaé is here to help make the process feel clearer, more manageable and a whole lot less overwhelming.

Book a 15-minute chat with Michelaé at a time that suits you: https://calendly.com/michelae-tmg/15-minute-chat

18/10/2026

Getting a home loan can feel out of reach if you've been told you don't quite meet the bank's criteria. But a “not yet” doesn't always mean “never”.

In a recent interview with NZ Adviser, our Head Adviser and Founder, Elyce Peters, shared some practical insights into helping buyers get into a stronger position to secure a home loan.

A few things that could help move you forward:

💳 Review your debt. Credit card limits, Buy Now Pay Later accounts and personal loans can all affect your borrowing capacity. The right changes could make a difference.

💰 Look at the bigger picture. Sometimes it’s about having a larger deposit. Other times, reducing debt, adjusting your purchase budget or exploring different lenders could be more helpful.

📊 Test your future budget. Try putting aside the difference between your current rent and your estimated mortgage repayments. It can help you see what’s manageable while building your savings.

🤝 Get advice before giving up. Different lenders have different policies, so a decline from one bank doesn't automatically mean every option is off the table.

As Elyce explains:

“The important thing is that we're not just getting an approval for the sake of getting an approval. It still has to be the right option for that client.”

The goal isn't simply to get a home loan. It's to find a pathway to home ownership that works for YOU and your financial future.

Not quite ready to buy? That's okay 👌 A clear plan and the right advice can help you understand what needs to change and what steps to take next. 🏡

🔗 Read the full article in NZ Adviser via the link in the comments.

13/10/2026

"Can't I just go straight to the bank?" 🤔

Of course you can! But working with a mortgage adviser can offer a different approach to finding and arranging your home loan 🏡

Rather than being limited to one bank's products and lending criteria, a mortgage adviser can help you compare options across multiple lenders, understand what may suit your circumstances and navigate the application process.

We can also help you make sense of the numbers, work through loan structure and communicate with lenders when things get a little more complicated.

Getting a mortgage isn't just about finding a bank that will lend you money. It's about understanding the commitment you're making and choosing an approach that fits your circumstances.

Your bank has one set of products. We can look across the entire market to find a solution that works for YOU.

If you're thinking about buying, refinancing or simply want to understand your options, The Mortgage Girls is here to help.

www.themortgagegirls.co.nz

12/10/2026

When The Mortgage Girls’ Head Adviser and Founder Elyce Peters received the NZ Regional Mortgage Broker of the Year Award in 2023, she walked onto the stage with her 3-month old baby Tyla to accept it 🏆💪 (One of our team was having baby snuggles when this pic was snapped) ❤️

It’s a lovely reminder that behind the scenes of our business are real women with busy lives, families, and plenty going on outside of work. But when it comes to our clients, we're all-in on helping Kiwis take those big steps towards home ownership.

For Elyce, the New Zealand Mortgage Awards are about more than trophies. They’re a chance to celebrate the people across the industry who work hard behind the scenes to help make home ownership goals a reality.

“We’re all helping Kiwis with some of the biggest financial decisions of their lives.”

The 2027 awards are going black tie, so we're VERY excited to dress up and celebrate next year! 🥂

Read more in NZ Adviser's recent article, including more insights from Elyce!

🔗 Link in comments 👇

09/10/2026

08/10/2026

Apparently, we’re doing something right… 😉⭐

We’re proud to have an average 4.9/5 rating from 320+ genuine Google reviews 💪 but more importantly, we love knowing our clients feel supported, heard and looked after.

Here are a few of the lovely things they’ve had to say recently… 💗

Read more feedback from our valued clients when you search ‘The Mortgage Girls’ on Google!