Anthony Zonneveld - Mortgage A to Z

Anthony Zonneveld - Mortgage A to Z Mortgage adviser based in Christchurch. I specialise in helping you optimise your mortgage structure to decrease your interest costs.

The less you pay in interest, the more money you have free for your other goals.

05/06/2026

Do you want to understand your borrowing power? We're here to assist.

04/06/2026

You've probably heard the terms 'interest rate' and 'effective interest rate' before, but what's the difference?

In this video,I explain how they work and why, for a standard table loan, they're generally the same thing.

Understanding the basics can make it much easier to compare loan options and feel confident about the decisions you're making.

Have a mortgage question you'd like answered? Send me a message.

26/05/2026

Sometimes people avoid talking to a mortgage adviser because they’re worried something might come up on their application.

The truth is, it’s always better to have the conversation early.

Whether it’s debt, spending habits, credit history, self-employment, or just not knowing where you stand, we can work through it with you and help you understand your options.

The earlier we know, the more we can do to help.

If you’re unsure where you sit, reach out for a chat.

21/05/2026

For anyone looking at getting onto the property ladder, proving you can afford the increased costs of owning a home and paying a mortgage plus rates and insurance, is the best thing you can do.

30/03/2026

That money sitting in your account could be doing more than you think.

In this video, I explain how table loans work, and how offsetting could help reduce the interest you pay.

If you’re not sure how your mortgage is structured, it might be time for a chat.

20/03/2026

Struggling to stay on top of your money?

A simple way to take control is by structuring your bank accounts properly.
Think separate accounts for bills, spending, and savings.

It creates clarity, reduces stress, and makes saving a whole lot easier.

20/03/2026

Wonder how pre-approval works?

Understanding the 4 C’s can make a huge difference when it comes to getting approved.

Watch this before you apply so you know where you stand.

19/12/2025

I just want to say a huge thank you to the 182 households I worked with this year, which made this the busiest year of my mortgage advice career so far.

I am now signing off for 2025 and will be returning to work and taking on new clients again from the 12th of January. I'll still continue to assist my existing clients and those with in progress applications throughout this time. It's important for me to get a break and have downtime, so I give you my best again in 2026. FYI Nathan still has capacity to take in new clients over this period.

I wish you and your whanau a great Christmas and New Years, stay safe and see you again in 2026. Cheers

08/10/2025

I believe the banks had already priced in an expected 25 basis points drop in the OCR. It was obvious it had to decrease after the latest GDP figures. The fact the OCR decreased by 50 basis points today means there could be further rate cuts from the trading banks. We'll just have to wait and see.

If you don't have to lock in your rate straight away, I would suggest holding off and seeing how things play out.

What does the increase in the Kainga Ora First Home Loan fee from 0.5% to 1.2% mean from a numbers perspective..?The cha...
22/05/2025

What does the increase in the Kainga Ora First Home Loan fee from 0.5% to 1.2% mean from a numbers perspective..?

The change in this fee has made the decision on what bank and product to target more interesting. What's works out best for you, paying the 0.5% Kainga Ora First Home Loan fee, or paying a higher interest rate for not having 20% deposit /equity?

This is what we need to know before we can make that calculation:
* The KO fee is currently 0.5%, but moving to 1.2% (it was 1% until 2 years ago when they decreased it to 0.5%)
* Kiwibank and ANZ charge standard rates which are currently 0.6% higher on the 1 year rate.
* BNZ, Westpac and ASB charge a low equity margin of +0.25% (+0.30% at ASB) for 15-19.99% deposit, +0.75 for 10-14.99% deposit, and 1.2% for BNZ only 5 - 9.99% deposit
*** Some banks currently offer discounted interest rates for new builds which are not taken into account above, or in the calculations below.

Thus
* For ANZ and KB, a 0.5% fee pays for itself after 10 months and a 1.2% fee pays for itself after 2 years. You also need at least 10% deposit to qualify.
* For BNZ, Westpac and ASB with
- 15% deposit, a 0.5% fee pays for itself after 2 years and a 1.2% fee pays for itself after 4 years and 10 months
- 10% deposit, a 0.5% fee pays for itself after 8 months and a 1.2% fee pays for itself after 1 year and 7 months.
- 5% deposit, a 0.5% fee pays for itself after 5 months and a 1.2% fee pays for itself after a year.

I enjoy helping people save $ and make the right decision on what lender and product to target to best achieve this. There's more too it than just interest rates, your loan structure makes a massive difference also. Please feel free to get in touch if you'd like a hand getting this decision right.

Address

71 Orbell Street
Christchurch
8011

Opening Hours

Monday 9:30am - 6pm
Tuesday 9:30am - 6pm
Wednesday 9:30am - 6pm
Thursday 9:30am - 6pm
Friday 9:30am - 4pm

Telephone

+64220469339

Website

,

Alerts

Be the first to know and let us send you an email when Anthony Zonneveld - Mortgage A to Z posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Anthony Zonneveld - Mortgage A to Z:

Shortcuts

Featured

Share

Category