The Mortgage Guy

24/03/2026

Good news at The Mortgage Guy with a new face to join the team!!

Welcome Jack Newsome!!

In his 3rd week and loving the challenge. Currently sitting his New Zealand Financial Services Certificate and smashing it.

Nice to have some young blood to take the business onwards......

Happy Days!!

21/02/2026

The Mortgage Guy has a new look.

We’ve built the site around what we’re known for: helping first home buyers navigate the entire lending process with confidence.

That focus is now front and centre.

While first homes are our speciality, our support does not stop at settlement. We continue to guide our clients through refinancing, equity options and ongoing lending reviews as life evolves.

Take a look around and see what’s new.

👉 www.mortgageguy.co.nz

07/12/2025

Always a good idea to have the goalposts in sight as we age.
Having goals of passive income we require as we move through life is very important....often people work well passed the age where they could live a comfortable early retirement.
Found this article helpful to give you a guide.....enjoy

Discover how much you need to retire comfortably in New Zealand. Our comprehensive guide covers retirement costs, savings targets, hidden expenses, and expert tips to secure a stress-free retirement by knowing the true costs.

26/07/2025

Big News from The Mortgage Guy Team!

After two massive years of exponential growth, we’re beyond excited to welcome a total legend to the team — Linda Primus Newsome aka Lulu!

She’s been #1 in her industry for the past FOUR years and now gets to share an office with her husband (yep, that’s me 😉). Lucky girl, right?

This exciting change is all about improving our work-life balance and continuing to do what we both love — helping amazing humans secure their first homes and build thriving investment portfolios.

Welcome to finance Lulu! Let’s do this!!

30/06/2025

A nice wee article about 20 Money Habits that Keep You Poor....common sense for some, not for others!
How many do you agree with?

Enjoy and please share......

The road to financial freedom isn't easy in New Zealand. Our guide delves into common mistakes that hinder many from achieving true financial independence, offering insights to steer clear and thrive.

21/06/2025

Lengthy article but answers some questions around interest rates and the affects that OCR has on our mortgage rates.

Always happy to offer free advice on refixing options in this new era of lending.

Our guide outlines expert insights into New Zealand's interest rate predictions for 2025 and beyond, explaining how OCR changes shape mortgage rates, housing costs, investments, and debt.

05/05/2025

I'm always curious to know financially where I sit as far as Net Worth.

Why is this important?

As we move toward retirement, our Net Worth Figure gives us some transparency to how much we need for retirement....scary word, but important to know at what age we can stop working.

This Net Worth Calculator should give you some transparency around this figure.

If interested in knowing how you can reduce debt or increase your Net Worth, reach out!

Calculate your Net Worth in seconds with our trusted calculator. Compare your net wealth to New Zealand government data.

04/05/2025

Love being proactive and this link below outlines the public holidays for 2025 and 2026....always good to plan!!

Find out when all 2025 public holidays are in New Zealand, as well as regional anniversary days.

28/03/2025

Always a fan of trying to save money our expenses so we can pay more toward debt reduction....good read here if you have 5 minutes!!

Discover the biggest costs of living in New Zealand, from property rates and insurance to food, utilities and car costs. Our comprehensive guide breaks down the essential expenses every New Zealand household should know and tips to help you save.

09/10/2024

Better news today...heading in the right direction....

RBNZ Cuts Cash Rate Again
As New Zealand's economic landscape shifts, now is an opportune moment for investors to consider securing high-yielding debenture products, such as Crown Capital's 2 and 3-year wholesale term deposit rates, which we believe are among the best currently available in the market. With the Official Cash Rate (OCR) on a steady decline, mortgage rates are expected to follow suit, creating a unique environment for investment.

Leading up to today’s OCR decision, the Reserve Bank faced strong arguments for either a 0.25% or 0.50% cut, ultimately opting for the latter. This decisive move reflects a new focus on real-time economic indicators, particularly concerning falling employment and the potential risks associated with weak economic activity. If left unchecked, this could cause inflation to fall below the Reserve Bank's 1-3% target.

The recent Monetary Policy Review was brief, signaling the Reserve Bank’s intention to adjust monetary policy swiftly to achieve a more neutral or stimulatory stance. This shift is crucial as New Zealand navigates its current economic challenges.


Impacts on the Housing Market

The OCR's downward trajectory has significant implications for the housing market. Mortgage interest rates are likely to continue their decline, which may boost confidence among buyers and stimulate a more active housing market, particularly as we enter the traditional Spring uplift.

While it is possible that house prices may stabilize, several factors will likely prevent a rapid increase. Housing affordability remains an issue, and a high volume of listings gives finance-approved buyers leverage in negotiations.

Moreover, the current labor market conditions pose a significant challenge. Job losses can dampen both sales and prices, while those still employed may experience heightened insecurity, affecting their buying decisions. Additionally, stagnant wage growth further suppresses housing demand.

Caution for Future Housing Growth

Looking ahead, it is reasonable to anticipate limited growth in house prices in 2025, even as mortgage rates drop. However, lower rates may accelerate the impact of debt-to-income (DTI) restrictions, which could restrain the housing market's momentum. DTIs serve as an 'insurance policy' for the Reserve Bank, providing a mechanism to control potential price increases.

Send a message to learn more