Ricki Hurst - Mortgage Adviser

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Ricki Hurst - Mortgage Adviser

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Mortgage Adviser at Your Mortgage. Helping people achieve their financial goals with clear, practical advice. Canterbury based. DM me to chat. Anytime.

Family focused and outdoors loving. First home buyers and self employed clients welcome.

03/11/2026

"Can I break my fixed rate?" is one of the most common questions I get, and the answer is usually "let's check the number first."

A break cost is the bank's loss when wholesale rates have fallen since you fixed. If they've risen, there's often no break cost at all. It's not a penalty for leaving, it's arithmetic.

Thinking about breaking? I'll request the bank's figure and run the numbers with you. Book a free 15-minute chat: https://yourmortgage.setmore.com/ricki-hurst or call 027 384 2034.
— Ricki, Your Mortgage

General information only, not personalised financial advice. Disclosure: yourmortgage.nz/compliance

27/10/2026

"As first-home buyers, a lot of the process felt overwhelming at times, but Ricki explained everything clearly and made it easy to understand."

Thank you for the kind review, and for trusting me with such a big step. Buying your first home and not sure where to start? Book a free 15-minute chat: https://yourmortgage.setmore.com/ricki-hurst or call 027 384 2034.
— Ricki, Your Mortgage

From a Google review, shared with thanks. General information only. Disclosure: yourmortgage.nz/compliance

20/10/2026

First home this year? Pre-approval comes first.

Know your number before you fall for a house. It makes house hunting faster, offers stronger, and the whole process a lot less stressful.

Ready to start? Book a free 15-minute chat: https://yourmortgage.setmore.com/ricki-hurst or call 027 384 2034.
— Ricki, Your Mortgage

General information only. Lending criteria apply. Disclosure: yourmortgage.nz/compliance

14/10/2026

Why work with a mortgage adviser instead of going straight to your bank?

I compare lenders for you, explain the options in plain English, and I'm still here after settlement. Got questions? Book a free 15-minute chat: https://yourmortgage.setmore.com/ricki-hurst or call 027 384 2034.
— Ricki, Your Mortgage

General information only. Disclosure: yourmortgage.nz/compliance

06/10/2026

You might need less deposit than you think.

KiwiSaver, a Kāinga Ora First Home Loan or a little help from family can close the gap. Some first home loans need as little as 5%, if you meet the criteria.

Want to know your number? Book a free 15-minute chat: https://f.mtr.cool/ibivzzmep4 or call 027 384 2034.
— Ricki, Your Mortgage

General information only. Lending criteria apply. Disclosure: yourmortgage.nz/compliance

24/09/2026

Did you know about 15% of NZers have some form of credit impairment?

Many people think that means they can't buy a house, but it's simply not the case.

If this is you, get in touch and let's find a way.

16/09/2026

Who's this? The three main men!

Stoked to have join us here at Your Mortgage, looking after the insurance/kiwisaver side of things.

It's an essential piece of the puzzle on your financial journey and Blair is a very passionate man who loves getting good results for his clients 💪

10/09/2026

Have you been thinking about buying your first home but unsure about how much deposit you need?

Get in touch and let's figure out what's possible!

07/09/2026

It's only taken me 38 years, but I finally made it to Aoraki/Mt Cook National Park.

I didn't actually get to see the mighty maunga Aoraki, but still an absolutely stunning place.

25/08/2026

Have you got a refix coming up? 👀

No doubt your bank is already hounding you to lock in your next fixed rate.

But before you hit “accept”, take a minute to look at your options.

Your current bank might not be offering you the best deal — and they’re certainly not going to tell you by moving your lending to another bank it might put a few grand in your back pocket.

A quick chat with me could help you work out whether you should:

🔹 Refix
🔹 Restructure
🔹 Refinance
🔹 Or simply stay where you are

Don’t just accept the first rate you’re offered.

Get in touch and let’s make sure your mortgage is working for you. 🏡

First things first, get your mortgage sorted with Ricki Hurst 🫶

Address

Level 1, Unit 1, 6 Washington Way, Sydenham
Christchurch
8011

Telephone

+6435956383

Website

https://www.yourmortgage.nz/contact, https://www.instagram.com/yourmortgage_ricki/

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