Karyn Barnfield - Mortgage Adviser, Tony Mounce Mortgages

25/02/2026

Thanks so much to everyone who came along to our property event in Greymouth tonight. We had some awesome questions and discussion.

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/

16/01/2026

Great news for Christchurch City & the West Coast…!

I’ve just been having a look at the latest QV House Price Index and there are some positive trends worth taking a look at.

🔴 ⚫ Christchurch City is showing some of the strongest quarterly growth in the country, up 2.1% in the last three months - a really encouraging sign of market momentum that doesn’t show any signs of slowing down.

🌧️🌱 Over on the West Coast the Grey District has been performing well too, with the latest data showing a 5.5% growth in property prices in the last 12 months, second only to the Westland District showing a 6.5% increase in the last 12 months, with the average property price sitting at under $500k - pretty affordable if you ask me.

While the national picture is a bit mixed, these two areas are really standing out with upward trends, which is great for both owners and buyers looking for areas with good activity.

If you want to chat about what this means for you, I’m always happy to help! 👉 https://tonymouncemortgages.co.nz/contact-us/

🔗 Check out the link for all the data - https://www.qv.co.nz/price-index/

Source: QV Price Index - accessed 15 January 2026.

The QV House Price Index measures house price movement throughout New Zealand.

14/01/2026

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.

26/12/2025

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/

23/12/2025

Happy holidays from me and the Tony Mounce Mortgages team! 🎄

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! ☀️

18/12/2025

Thinking about a new home or rental in 2026? 🏡

Make sure you have the one and only Karyn on your team for all things finance next year! Whether it’s your next home, investment, or rental, I’ll help you navigate your options and make confident decisions.

Let’s make 2026 the year you find the perfect place – reach out and let’s get started!

Let’s chat 👉 https://tonymouncemortgages.co.nz/contact-us/

12/12/2025

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/

09/12/2025

Is your mortgage coming up for renewal? 🏡

Between June 2025 and June 2026, over 70% of mortgages will be up for renewal. Is yours one of them?

Don’t just click the box when your bank alerts you it’s time to refix. Get advice, get support, and make sure you’re getting the best deal – one that helps you save and keeps you on track to pay off your mortgage sooner.

I’m here to guide you through the process and make sure your renewal works for you. 📩 Reach out today!

*Source: https://www.goodreturns.co.nz/article/976524550/nz-mortgage-payments-to-drop-by-3b-in-the-next-year-macquarie.html

18/11/2025

Hey West Coasters! 👋

No, you're not imagining things - I'm now actively supporting clients along the beautiful West Coast as well as Canterbury!

Whether you're buying your first home, looking at an investment property, or just want to chat through your options, I'm only a phone call away. And hey - if you spot my face somewhere along the coast, don't be shy...send me a photo!

📞Give me a call 021 918 530 or message anytime - I'm here to help.

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

Christchurch school zones are a big deal when it comes to property - they can make the area you want to buy in highly sought-after and limited.

When you spot a house in the zone you want, you need to be ready to act. That's where I come in - I'll help you understand what's possible, get your finance lined up, and make sure you're in a strong position to move when the right property comes along.

Talk to me today and let's get you ready to take advantage of the right school zone👉

https://tonymouncemortgages.co.nz/find-an-adviser/profile/karyn-barnfield/