Nikki Cochrane - Mortgage Adviser, Tony Mounce Mortgages

20/01/2026

Do you know how an interest rate drop can affect your affordability? A small rate drop can reduce repayments, ease pressure and improve borrowing power.

Or, you could keep your repayments the same and make headway on saving some interest and paying your mortgage off sooner.

If your fixed rate comes up for renewal this year, don’t just accept what you’re offered. It is a great time now to explore your options and get ahead of the curve and hit the ground running in 2026.

Likewise if you’re looking at purchasing get in touch and we can offer the right advice to suit your situation.

Want to run the numbers in the meantime? Check out our mortgage calculator - it’s an easy way to review rates and view the impact on your repayments.

Check out our mortgage calculator here 👉
https://tonymouncemortgages.co.nz/calculators/mortgage-calculator/

19/01/2026

Thinking home ownership is out of reach by yourself? We’re starting to see more and more buyers teaming up with trusted family members or friends to purchase property.

Shared mortgages can boost your deposit and borrowing power, but they need the right structure.

We can walk you through the key things to know before you commit.

Let’s see if we can make home ownership a reality 👉 https://tonymouncemortgages.co.nz/contact-us/

14/01/2026

Just got back from your holiday and now dreaming of having your own bach to escape to whenever you like?

Destinations like the Nelson Lakes, Hanmer Springs and Banks Peninsula continue to attract holiday home buyers.

We can help you understand whether a holiday home is the right investment for you, how to get the most from it following purchase, or what you might need to do to get there in the coming year.

Navigating holiday home finance can be complex. An adviser can help you structure your finance effectively, assess your equity, and find suitable lenders and loan structures for your specific situation.

Get in touch and let’s make those holiday home dreams a reality 👉 https://tonymouncemortgages.co.nz/contact-us/

04/01/2026

Happy 2026! 🎉

Have you been dreaming about your first home over the summer break? ☀️ Getting pre-approved now is a smart way to turn those dreams into reality.

Make sure you’ve got your deposit sorted, check your credit, gather your income info, and understand how rate changes could impact your budget (hint - it could be a positive impact!).

Think a first home might still be out of reach? Try our Mortgage Ready test - you might be closer than you think! 👉 https://tonymouncemortgages.co.nz/take-the-test/

We’ll guide you through the process so you can head into 2026 confident and ready to buy. Get in touch today.

23/12/2025

Happy holidays from Tony Mounce Mortgages! 🎄

Our team is taking a well-earned festive break, our Moorhouse Avenue office will be closed from 12pm on Tuesday 24th December, reopening Monday 5th January 2026.

Our website is still open for enquiries, so feel free to drop us a message – we’ll be ready to help as soon as we’re back on deck.

Wishing you a joyful holiday season, a happy New Year, and plenty of time to relax, recharge, and enjoy the summer! ☀️

16/12/2025

From your trusted South Island property experts - here is your market snapshot for October 2025 from the latest REINZ report 🏡

We’ve checked the numbers, and the market is looking steady and positive across Canterbury, Nelson, and the West Coast.

Canterbury and Nelson are seeing their highest sales counts since March 2021, with homes selling faster than last year. The West Coast hit a record median price ($460,000!) thanks to rising local employment opportunities.

Whether you’re buying, selling, or reviewing your mortgage, these numbers show there are real opportunities this summer.

With rates easing, now is a great time to understand your borrowing power. Get in touch and we can help you work out your numbers and what this data means for you 👉 https://tonymouncemortgages.co.nz/contact-us/

Source: REINZ New Zealand Property Report - October 2025: https://www.reinz.co.nz/Web/Web/News/News-Articles/Market-updates/REINZ_October_2025_Data_Market_Confidence_Climbs_High.aspx?name=REINZ_October_2025_Data_Market_Confidence_Climbs_High

10/12/2025

All I want for Christmas… is a lower mortgage rate? 🎅
With interest rates easing and the South Island property market gaining traction, now’s the time to check if your mortgage still works for you.

Data from the New Zealand Parliament shows that the average mortgage rate faced by all mortgage holders fell to 5.36% in September 2025, with both fixed and floating rates easing.

Is your mortgage rate higher than it needs to be? A quick review before the year ends, or early in 2026 could kick your year off with more clarity, whether that’s a new home, a smarter structure, or a better rate.

👉 Get in touch: https://tonymouncemortgages.co.nz/contact-us/

Source: https://www3.parliament.nz/en/pb/library-research-papers/monthly-economic-review/monthly-economic-review-november-2025/

08/12/2025

Great Christmas giveaway for these beautiful summer nights 🩷

*Competition closed*

🔥 Win a portable BBQ for your summer adventures! 🔥

Fancy taking a NZ-designed Ziggy portable BBQ on your summer getaway? It could be yours!

- Simply like our page AND
- Tell us the current Official Cash Rate in the comments below

All correct entries will go in the draw to win a portable Ziggy BBQ plus some fun TMM goodies.

Entries close 11.59pm on Monday 15th December with the winner announced Tuesday 16 December - just in time for your summer plans!
Terms & Conditions:
There will be 1x winner of a Ziggy Classic 2 Burner Portable Grill BBQ (RRP $769) selected on Facebook. Please note the final prize colour will be subject to availability.

The winner must ‘like’ the Tony Mounce Mortgages page and have commented the correct OCR rate as at 8 December on this post by 11.59pm on Monday 15th December.

The winner will be drawn at random from the correct entries. The winner will be contacted on 16 December by Facebook comment or private Facebook message. This competition is not affiliated with Facebook or Meta in any way.

12/11/2025

The property market comes with its own language. When you're new to it, terms like "Deadline Sale" or "Enquiries Over" can feel confusing. Here's a quick glossary:

🏠 Deadline Sale: Submit your best offer by a set deadline date and time.
🏠 For Sale: The property is generally listed with a set asking price - you can make an offer at or around that.
🏠 Enquiries Over: You make offers above a certain threshold.
🏠 Auction: The property is sold to the highest bidder on the day, if the property reaches its reserve price (this price is not advertised). You'll need your financing lined up before the big event.
🏠 Price by Negotiation: More open-ended - you negotiate back and forth with the seller or agent.

For all of these, a pre-approval or finance plan can make it easier. No matter what type of property sale method you might come across, we can help guide you through the steps.

Chat to our team today and we can get you ready, no matter what the market throws at you 👉
https://tonymouncemortgages.co.nz/contact-us/

07/11/2025

From 1 December, LVR (Loan-to-Value Ratio) restrictions are set to ease, opening the door a little wider for first home buyers.

The key change? The cap on low-equity lending by banks (loans with deposits under 20%) is increasing from 20% to 25%.

That means more buyers with smaller deposits may now qualify for lending, provided they meet servicing and personal criteria.

If you've been saving for a while but haven't quite hit that 20% deposit, this could be your moment to check where you stand.

Talk to our team - we'll help you understand what this means for your situation 👉
https://tonymouncemortgages.co.nz/contact-us/

05/11/2025

If you've been thinking about buying your first home, the timing might be moving in your favour.

Last month, the Official Cash Rate (OCR) dropped from 3.00% to 2.50%, its lowest point since early COVID. Markets are now expecting another cut (to around 2.25%) later this month.

We're already seeing more first home buyers stepping in the market already (nearly 30% of buyers in the last two months were first home buyers!*)

If you're ready to explore what this could mean for you, reach out to our team 👉
https://tonymouncemortgages.co.nz/contact-us/

*Source: Cotality

29/10/2025

The Official Cash Rate (OCR) has dropped from 3.00% to 2.50% this month - its lowest level since the early COVID period.

And with that first home buyers are making their move - now accounting for around 28% of the market*! With interest rates trending down, it could be the right time to get your pre-approval sorted.

Get in touch to start your pre-approval process today 👉
https://tonymouncemortgages.co.nz/contact-us/

*Source: Cotality