Mortgage Managers

31/03/2026

Working With Your Mortgage Adviser

Of course your mortgage adviser will work hard for you, but they also need your assistance to ensure that they can get the best result for you.

It needs to be a good partnership, and we always explain what is expected to ensure that your relationship with your adviser gets the best results. We thought we would share this so you get a better idea before you engage us as your mortgage adviser.

31/03/2026

Selecting the right bank will be one of the most important considerations when buying your first home, and yet most people do not really give it the priority that it deserves – that you deserve.

Kiwis tend to often just take what they think is the easiest option, the fastest to approve or go to their existing bank. Have a read here: https://mortgagemanagers.co.nz/getting-the-best-home-loan-in-2026/

Our advisers spend a lot of time with people to make sure that they get the right bank, the best loans and structure things to suit. Get these things right and you can save a lot of money over the next few years.

Reach out and we can discuss – it's what our advisers do that really matters

Phone: 0800 100 939

Are you focused on getting the best home loan in 2026? This should be a priority, but many Kiwis think that all loans are the same and so are happy with whatever they get.

22/03/2026

Ever wondered how global events like the Middle East conflict impact your mortgage rates in New Zealand? We've got you covered! Check out our latest summary to understand the connection: https://kiwiedition.co.nz/how-the-middle-east-conflict-affects-mortgage-rates/

18/03/2026

Great to see the contributions increase, even if it is just a small increase. This will make a huge difference to those younger Kiwis that are just getting into the workforce, but helps us older one's a bit too 😀

KiwiSaver Changes from 1st April
This is NOT a April Fools joke. The default contribution rate for both employers and employees will rise from 3% to 3.5% from 1 April.
You can of course contribute more.
https://www.business.govt.nz/.../kiwisaver-changes-on-1...?

11/03/2026

Why do over 70% of Kiwis use brokers now? We address the bank vs broker question here and explain why this is an important decision for first home buyers.

https://mortgagemanagers.co.nz/bank-vs-broker/

10/03/2026

We often talk about the unexpected consequences.

Could Bitcoin Surge Off US / Iran Conflict?

Since the first strike on Iran on 28th February, it’s worth noting that Bitcoin has gained 3.60%.

Is this actually related to the conflict?
Let's discuss this.

09/03/2026

Changes for Service Tenancy Workers

Workers in service tenancies have effectively been locked out of first-home withdrawal because their jobs require them to live in employer-provided housing, and so the Government is tweaking KiwiSaver laws so workers with “live-in” job residences. This includes a huge number of Kiwis such as farmers and rural farm related workers, rural school teachers and country cops. It's not just rural people as there are a number of people in tourism, hospitality, park workers and also many defence personnel who have accommodation provided as part of their employment.

Read about the changes and share with people that may be affected:https://mortgagemanagers.co.nz/first-home-withdrawals-for-service-tenancy-workers/

02/03/2026

We often hear of Kiwis that are unsure if they should use a mortgage adviser or go straight to their bank.
It's a valid question and so we have taken a few minutes to explain the advantages of using a mortgage adviser.

Here are 3 x reasons:
1. Advice – as advisers we are qualified to give advice.
2. Point of Contact – you want someone that you can speak to and advisers tend to stick around – myself 25+ years
3. Choice of Banks & Loans – what bank would you choose, and would they have the best loans? We research this and while sometimes your choices might be limited, if we have the option we will suggest that you choose the best home loan rather than just one that might approve you.

https://mortgagemanagers.co.nz/why-should-you-use-a-mortgage-broker/

25/02/2026

It’s not uncommon to be rejected by a bank for your home loan application, but that’s where it is important to know what options you have.

You need to know that a “NO” from a bank doesn’t mean you’re out of options – it just means that you need to explore other options.

https://mortgagemanagers.co.nz/what-are-your-options-when-the-bank-says-no/

23/02/2026

Have you heard how invoice finance helps small businesses in New Zealand?

Of course we know that cashflow is the lifeline of any business, so if your business is struggling with cashflow issues then maybe you need to take a closer look at alternative finance methods.

18/02/2026

One of the problems in New Zealand is our small size / population and therefore the lack of options.

Maybe it's pure economics - maybe it's just too hard ???

But wouldn't it be great to have some more non-bank options like they have in Australia. https://skiploans.com.au/