Colin Henderson - Financial Adviser-Mortgage Specialist

01/02/2026

I always get great pleasure seeing my clients achieve their goals and for most that is purchasing their first home.
This weekend was just that much more special as my wife and I were very proud parents as we saw our children Shaliah & Braedyn achieve their goal as they moved into their first home.
They have both taken financial skills we have taught them and skills they have learnt on the way and combined that with some hard work and good decisions, they have been able to achieve something that they know isn't a given these days. They did have some help which I know not everyone gets but they used that help in a positive way.

I can remember having a chat with Shaliah mid last year about buying a home and she didn't think she could get anywhere near buying a house on her own but with putting a plan in place and showing what she could do, the journey started. There were offers, a few building reports and countless viewings both online and in person. It definitely didn't happen overnight and there were frustrations for sure.

When Braedyn was asked and wanted to be added to the mix, it just gave them more options and they both were on the same wavelength when they saw the house they purchased.

During the process, it emphasised not just to me but to Shaliah & Braedyn, how important it is to get good advice along the way and people who you can work with and Trust, including a good building inspector and their reports, a Real Estate Agent that is easy to deal with, upfront and you can trust, a solicitor that gives you good legal advice, doesn't charge the earth and is one you feel comfortable asking some tough questions of and of course a good mortgage Adviser who can guide you through the whole process and to make life easier for you.
A big thanks to Tim Hansen from Harcourts Silverdale, Sarah Davis from The legal Team Silverdale and Sean Bethell - Betta Inspect Rodney


If you want someone to help you on your journey to purchase your first home, investment property, upgrading your current home, refinancing, home renovations, a top up or just want some advice around how to set up your lending better, please contact me so I can help you achieve your goals.
You may be closer to achieving that goal than you think

Phone: 021 285 5264
Email: [email protected]

08/12/2025

With Christmas coming up, banks have been busy after the Reserve Bank cut the OCR by 0.25% in November – but their response to the OCR drop was not how many expected it to be. While floating rates dropped, fixed rates didn’t change. That’s because short term fixed interest rates are based on market predictions of future rates, and those have started to edge up after the Reserve Bank hinted there may be no more cuts.
Floating Rates: These track OCR changes almost immediately, as banks' cost of borrowing overnight funds changes.
Fixed Rates: These are influenced more by wholesale market rates (swap rates) that predict future OCR movements and global funding costs, so they move less sharply and often with a delay,

Instead of dropping fixed rates, banks are offering a 1.5% cash contribution on new lending over $200k (normally 0.9%) for lending with an LVR of 80% or less. This is a limited-time Christmas offer and comes with conditions, which has also slowed approval times slightly.

From 1 December, the Reserve Bank also relaxed deposit rules, making it easier for first-home buyers and some investors to get approval. Plus, more properties are hitting the market – which is great news for buyers.
Want to see if you’re ready to buy?
📞 021 285 5264 | 📧 [email protected]

08/10/2025

Reserve Bank cuts
OCR to 2.5%
The Official Cash Rate has been cut to 2.5%.
The Reserve Bank cut the rate by 50 basis points, which follows a 25bp cut in August.
This is the fifth cut in the OCR this year.
The cut comes amidst a climate of bad economic news, with a negative GDP result of -0.9% growth for the last quarter.

https://www.facebook.com/share/p/1CyiQZ53Jr/?mibextid=wwXIfr

| Reserve Bank cuts Official Cash Rate to 2.5%

15/09/2025

Proud to share our knowledge and skills in promoting financial literacy with the Year 10 Maths classes at Matamata College as part of Waikato Secondary School Employer Partnership (SSEP) programme. Feels good to give back to the local college where myself and my kids were educated

06/03/2025

A great day out supporting the Squash Waikato golf Fundraising day. Team did ok but wilted in the heat the last 9 holes.

10/02/2025

🌟 Your local mortgage advisor.
📍 Living and based in Matamata.
🗺️ Covering the Matamata-Piako area.

Colin Henderson - Financial Adviser-Mortgage Specialist
* Refix. * Restructure. * Refinance.
* Renovating. * Upgrading. * Buying your first home.
With high cost of living and interest rates dropping, have you reviewed your Finances and borrowing? How can I help you achieve your goals or help get you into a better financial position?

Reach out if I can help with a free, no-obligation chat 💬
📲 021 2855264
📧 [email protected]
🔗 https://www.quantumgroup.nz/our-team/colin-henderson

15/01/2025

It’s great to help people get into their first homes, and get feedback like this.
Can I help you too?
Call me now 📞 021 2855264
📧 [email protected]

23/11/2024

As a Mortgage Adviser, I have multiple options available and try to find the right solution for you either now or in the future.
Please give me a call or emaill. 021 285 5264.
[email protected]

Bank said no? What they may have meant is "not yet!". Don't give up. We'd love to see if we can help. Our team of expert , have turned many a banking-no into a yes!

Remember, our services are free to you, and it never hurts to have a second look at things.

20/08/2024

Great time to buy. House prices are down and we are starting a downward trend in interest rates. Please contact me to discuss how I can help you into your first home/next home/dream home/invest property.

If homeownership in the next couple of years is one of those goals, then grab some time with one of our expert !

Our services are free-to-you here in NZ.

We can help you put a plan in place and take you through the process so you can make even better decisions along the way.

18/06/2024

It’s important to talk to your mortgage adviser prior to signing up for a house as they can advise around time frames.
You can also bypass this by getting a pre-approval so you can look at houses with more confidence.
If you wish to discuss give me a call.

However, banks deny there are delays in processing applications.

08/06/2024

Getting your first home can feel like a bit of a minefield, and that's why using the free services of an expert broker, is a smart move.

I can make everything feel easier to understand and less stressful!


Reach out if I can help with a free, no-obligation chat 💬
📞 021 2855264
📧 [email protected]
🔗 https://www.quantumgroup.nz/our-team/colin-henderson

22/05/2024

https://www.facebook.com/share/p/Ub3fkAUUBDBVy8UC/?mibextid=WC7FNe
For a number of my clients that have been looking to buy this could be devastating news. Please reach out to see what other options there are to help get you into your first home.