Briana McDonagh - Mortgage Adviser

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Briana McDonagh - Mortgage Adviser

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I’m a mortgage adviser, New Zealand wide. Reach out anytime for a no-obligation chat at no cost to you, and let’s discuss your mortgage needs!

02/11/2026

Here's what banks really think about your debt 🏠

When you apply for a home loan, lenders don't just look at what you owe. They look at what you could owe.

That credit card with nothing on it? That buy now pay later account you forgot about? They can all reduce how much you can borrow.

The good news is that debt isn't automatically a deal breaker. It's common to buy a property with some form of debt.

To see where you stand, get in touch 📞

01/11/2026

We’ve officially launched Traction Financial Services! 🏠 It’s been a big few weeks getting here and we’re so excited for what’s to come.

29/09/2026

Using KiwiSaver for your deposit? Here is some information on how to access it 🏠

16/09/2026

Did you know you might still be able to use your KiwiSaver to purchase a house, even if you've owned a home before? 🏠

If you've owned a home in the past but your current financial position looks similar to a first home buyer's, you may qualify as a Second Chance First Home Buyer. This allows you to access your KiwiSaver to purchase a property.

But it is good to know that you can't have used your KiwiSaver for a home purchase before. There's also an asset cap to meet alongside other criteria.

15/09/2026

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14/09/2026

A registered valuation may be needed to get a mortgage, but what is it?

It can often pop up as a condition on your pre-approval, so it's definitely something to look out for! 🏠

07/09/2026

Having debt doesn’t mean you automatically can't buy a house 🏠

A lot of people think you have to be 100% debt-free before getting a mortgage, but that’s a myth. Plenty of first-home buyers get approved while still having credit cards, car loans, student loans, etc.

Here is a quick breakdown of how banks view each type of debt when you apply.

25/08/2026

One thing that can catch a lot of people off guard is that if you've got a credit card, the bank will typically factor in the full limit.

This means that if you've got a $10,000 credit card limit but had only used $2,000 of this limit, the bank will treat it as if it was fully maxed out.

As a result of this, it can then impact your borrowing power.

The bank does this because it is available debt, which you could then go and use tomorrow.

But this is something which we will sit down and discuss together, so if you have a credit card, we can review how it looks with versus without the credit card 🏠

18/08/2026

There's a huge number of first home buyers out there right now! Plus many are purchasing with less than a 20% deposit 🏠

Sources: Cotality, Cotality-Westpac First Home Buyer Report (May 2026)

Address

21 Humphreys Drive
Christchurch
8023

Telephone

+64226093407

Website

https://www.tractionfinancialservices.co.nz/, https://www.tractionfinancialservices.co.nz/briana

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