Loan Market Compass

04/06/2026

What a nice surprise this morning from a grateful first home buyer ☺️ What we do is such a privilege and we love being able to help in a small way 👌 Many thanks Troy & Gemma🥂🥂

02/06/2026

When the headlines say the property market is quiet, most people freeze. But seasoned property investors do the exact opposite.

Latest data from Cotality shows that multiple property owners are quietly holding a 24% share of the property market right now.

While everyone else is hesitating, they are capitalising on less competition and better negotiating power. And with tax rules like 100% interest deductibility fully back in play, the math on long-term wealth creation is stacking up again.

If you already own a home, you might be closer to buying your first rental property than you think.

Explore our website to see how you could use your current position to start investing.

https://adviser.loanmarket.co.nz/howick/products-services/investment-loans/

02/06/2026

Time to buy your first home? We're here to help, as with our most recent settlement :

"Working with Nick made getting our first home a reality. Nick was one of the first people to instil a confidence in us to be able to make getting a home, a reality. There are no stupid questions to ask with Nick and he also put us in touch with incredible lawyers and a builder who smoothed out the process even more. I wouldn't hesitate to recommend Nick and his team to support you with your mortgage!"

And here is a first home I stumbled accross under $800 000: https://www.realestate.co.nz/43032393/residential/sale/11-emerson-road-clover-park
(Note: We do not recomend this property as such and you need to do your own due dilligence)

House for sale at 11 Emerson Road, Clover Park, Manukau City, Auckland with 3 beds, 1 bath, 791m² land area. $769,000. View all 18 property photos and Clover Park suburb information.

31/05/2026

Happy King’s Birthday!

There is nothing quite like a long weekend to make you look around your home and start planning a few upgrades.

Whether it’s modernising your kitchen, refreshing your bathroom, or practical maintenance like roofing and painting before the winter weather turns, you don't necessarily have to sell to get the space you want.

There are some competitive renovation loan options in the market right now designed specifically to help you fall in love with your home all over again.

Enjoy the rest of your day off, and let’s chat later this week about exploring your options.

30/05/2026

It’s one of the biggest questions in the market right now, and the answer isn’t as straightforward as you might think.

Even with the OCR on hold, mortgage rates are still shifting… and there’s more going on behind the scenes than just central bank decisions.

If you’re relying on headlines alone, you could be missing the bigger picture.

👉 Head to the blog to understand what’s really driving rates, and what it means for your next move.

https://adviser.loanmarket.co.nz/compass/blog/why-mortgage-rates-are-rising-even-though-the-ocr-hasnt-moved/

28/05/2026

We are grateful for the kind words and the trust our clients place in us every day! 🙏

Looking for an expert adviser who can help you navigate your options and keep things simple?

Let’s connect today to discuss how we can help.

27/05/2026

The Reserve Bank of New Zealand has held the Official Cash Rate steady at 2.25% once again in today’s announcement.

This extended period of stability gives Kiwis a steady window to review their options. However, a "paused" cash rate doesn't mean you should leave your mortgage on autopilot.

If you have a fixed rate up for renewal soon, or you're planning a property move, now is the time to look at your options.

Let’s get your strategy sorted early. Reach out today for a quick mortgage review!

25/05/2026

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔

According to the latest QV data, while the rapid inflation of previous years has eased, new short-term pressures are emerging:

🏗️ Fuel-driven spikes: Rising diesel prices have caused an immediate 7.8% jump in excavation costs, with site preparation and demolition also trending upward.

⏳ Shorter quote validity: Due to this volatility, many builders are narrowing their quote validity periods to 30 days or less, requiring homeowners to be ready to act quickly.

💰 Contingency buffers: Lenders are closely monitoring project feasibility, often requiring a robust contingency buffer of 10% to 20% to account for variations.

The good news? With overall cost growth remaining relatively moderate at 0.4% in March, a well-structured plan can still see a project move forward successfully.

Read more on the blog for our full breakdown of what is driving costs and how to plan your finances smarter.

https://adviser.loanmarket.co.nz/howick/blog/construction-costs-steady-overall-but-fuel-prices-add-pressure/

24/05/2026

Lock in now… or hold off?

It depends on one thing: Your risk tolerance.

Right now, we’re seeing two types of borrowers:

➡️ Those who want certainty, even if it costs slightly more
➡️ Those willing to ride the market for potential gains

Neither is wrong, but both come with trade-offs.

Locking in:
🔹 Certainty on repayments
🔹 Protection if rates rise
🔹 Less flexibility (break fees apply)

Staying flexible:
🔹 Ability to adapt
🔹 Opportunity if rates ease
🔹 Exposure if rates climb further

Most people don’t choose one, they balance both. Because in uncertain markets, balance beats prediction.

If you’re trying to decide what’s right for you, we can model both scenarios and show you the difference.