Ben Garrett - Mortgage Lads

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Ben Garrett - Mortgage Lads

The small mortgage advisory where every home loan is perfectly tailored to your unique journey.

15/10/2026

Looking for a new vehicle?

Whether it’s a family car, weekend boat or something to help you get where you need to go, having the right finance in place can make the process much easier.

Before you sign on the dotted line, chat with Mortgage Lads about your vehicle finance options.

🚗 Let’s help you get moving with confidence.
Phone: 021 074 2432
Email: [email protected]

12/10/2026

Feeling like your finances are spread across too many places?

Credit cards, personal loans, store accounts and repayments can quickly become difficult to keep track of. Debt consolidation may help bring eligible debts together into one more manageable repayment — giving you a clearer view of your finances.

It’s not about judgement. It’s about finding a practical way forward.

Need help making sense of your repayments? Get in touch with Mortgage Lads for a friendly, no-nonsense chat.
Phone: 021 074 2432
Email: [email protected]

07/10/2026

The bloke's guide to your mortgage review

YOUR FIXED RATE IS EXPIRING.

“She'll be right.”

Maybe.

But let's check first. 😂

If your fixed rate is coming up for review, don't just assume the easiest option is to roll it over and forget about it.

A mortgage review is a chance to look at the bigger picture:
🔹 What's happening with interest rates?
🔹 How much have you paid off?
🔹 Has your income changed?
🔹 Have your plans changed?
🔹 Could your loan structure be improved?
🔹 Are there other lenders worth considering?

Sometimes the answer will be “Yep, you're exactly where you need to be.”
And sometimes there may be an opportunity to do things differently.

Either way, we'd rather you know. 💙

Phone: 021 074 2432
Email: [email protected]

05/10/2026

IS IT TIME TO REFINANCE? 🏡💰

“Is my current mortgage still working for me?”

Life changes. Your mortgage should be reviewed when your circumstances do too.
Perhaps your fixed rate is coming up for review.

Maybe your income has changed.
You’ve paid down a chunk of your mortgage.
You’ve got a new baby, new plans or new financial goals.
You’re thinking about renovating.
Or maybe you’re simply wondering whether your current bank is still the right fit.

A refinance could potentially help you:
✨ Review your interest rate and repayments
✨ Restructure your lending
✨ Access equity for a planned purpose
✨ Consolidate lending where appropriate
✨ Consider what other lenders may offer
✨ Make sure your mortgage structure still suits your life

And sometimes, after looking at everything, the best answer is actually to stay exactly where you are.

That’s okay too.The important thing is knowing what your options are before making a decision. Your mortgage deserves a review — not just a rollover. 🩷

If you’re wondering whether refinancing could make sense for you, we’d be happy to have a chat and help you explore your options.
Phone: 021 074 2432
Email: [email protected]

30/09/2026

The OCR has moved… but what does that actually mean for YOU?

The Reserve Bank increased the Official Cash Rate to 2.75% in September, following increases in July and September.

While an OCR movement doesn't automatically mean everyone's mortgage rate changes by the same amount, we are already seeing movement in floating and variable rates, while higher wholesale funding costs are also flowing through to some fixed mortgage rates.

If your fixed rate is coming up for review, this is a good time to understand your options rather than simply rolling onto whatever rate your bank offers.

There can be value in looking at:
🏡 Your current loan structure
💰 Your repayment comfort zone
📆 Whether splitting your lending makes sense
🔄 Whether refinancing could be worthwhile
📉 The different rates and options available across lenders

Knowledge = confidence.

And that's exactly what we're here to help with.

Rates and lending criteria can change, so individual circumstances need to be considered.
Phone: 021 074 2432
Email: [email protected]

28/09/2026

When parents help their children buy a home

For many parents, helping a child purchase their first home is about giving the next generation a stronger start.

It is a generous decision—but love and good intentions should still be supported by clear conversations and proper documentation.

Everyone needs to understand whether the money is:
🏡 An unconditional gift
🏡 A loan that must eventually be repaid
🏡 A contribution that gives the parents an ownership interest

The chosen arrangement can affect the mortgage application, property ownership, relationship property matters and the parents’ own financial future.

It may also affect estate planning, particularly when there are siblings or other beneficiaries to consider.

Depending on the arrangement, a gifting certificate, deed of debt, loan agreement or property-sharing agreement may be required.

Clear documentation does not make a family arrangement less personal. It protects relationships by ensuring everyone understands the agreement from the beginning.

📩 Is your family helping you purchase a home? Speak to Mortgage Lads early so we can help coordinate the lending process alongside your lawyer and financial adviser.
Phone: 021 074 2432
Email: [email protected]

24/09/2026

Can debt consolidation help your family regain control?

Multiple repayments can quietly place enormous pressure on a household.
A personal loan is due on one day, the credit card on another and the mortgage shortly afterwards. Even when the income should be enough, the family can feel as though it is constantly trying to catch up.

Consolidating high-interest debts into a mortgage may reduce the interest rate, simplify repayments and provide some monthly breathing room.

But there is an important question:
Will that short-term debt now be repaid over 20 or 30 years?

It could be—if it is added to the mortgage without a clear repayment strategy.
In some situations, the consolidated debt can be placed in a separate loan portion with a shorter repayment period. Fees, total interest costs and the risk of securing previously unsecured debt against your home must also be considered.

Debt consolidation is not a way to make debt disappear. It is a potential tool for creating structure, reducing pressure and helping a family regain control—when used responsibly.

📩 Feeling overwhelmed by multiple repayments? Talk to Mortgage Lads about whether consolidation may be appropriate for your situation.
Phone: 021 074 2432
Email: [email protected]

21/09/2026

Protecting your assets and your relationship

Talking about what would happen if a relationship ended can feel like planning for failure.
But having an honest financial conversation is not a sign that you do not trust each other. It is a way of ensuring both partners understand the situation before making one of their biggest commitments together.

This may be especially important when:
🏡 One partner already owns a home
🏡 Parents or relatives are contributing money
🏡 One person is bringing significantly more assets into the relationship
🏡 Either partner has children from a previous relationship
🏡 You are purchasing a property together

Relationship property can be complicated, and what you assume will happen may be different from the legal reality.

Seeking independent legal advice early can give both partners clarity and help prevent misunderstandings later. Protecting your family sometimes means having the uncomfortable conversations while everyone is still working towards the same goal.

📩 Planning to buy a home with your partner? Mortgage Lads can assist with the finance and work alongside your legal advisers to help make the process clearer.
Phone: 021 074 2432
Email: [email protected]

16/09/2026

Could more than one banking relationship create options?

Most of us stay with the same bank for years. Our income goes in, our expenses go out and we rarely question whether that relationship still supports our long-term plans.

However, not every bank has the same lending policies or appetite at the same time. These can change and may affect your options when you want to buy a home, refinance or invest.

Having a well-managed relationship with more than one bank could help you build a financial history with different providers and potentially create more options in the future.

That does not mean opening several accounts without a purpose. More accounts will not automatically improve your chances of approval.

What matters is how you manage them, along with your:
🏡 Income and employment
🏡 Expenses and debts
🏡 Saving habits
🏡 Account conduct
🏡 Overall financial position

Financial empowerment is often about preparing before an opportunity or challenge arrives.

📩 Want to understand how your current banking setup could affect your future plans? Speak to Mortgage Lads for guidance tailored to your goals.
Phone: 021 074 2432
Email: [email protected]

13/09/2026

Five tips for buying your first home

Buying your first home is about more than receiving the keys.
It could be the place where your children grow up, where birthdays are celebrated and where your family begins building long-term financial security.

Good preparation can help you enter that chapter with confidence.

Here are our five top tips:
1. Build your team. A mortgage adviser, lawyer, building inspector and insurance adviser can each help protect your interests.
2. Sort out your finance early. Understand what you can realistically afford before attending open homes or making an offer.
3. List your non-negotiables. Decide what your family genuinely needs before emotion takes over.
4. Complete your due diligence. Carefully check the property, documents, conditions and potential future costs.
5. Do not overextend yourself. Leave space in your budget for rates, insurance, maintenance, emergencies and everyday family life.
6.
The goal is not simply to buy the most expensive home the bank will allow. It is to own a home comfortably while still being able to enjoy life with your family.

📩 Planning to purchase your first home? Talk to Mortgage Lads and let’s help you prepare for the journey ahead.
Phone: 021 074 2432
Email: [email protected]

Address

Invercargill
Invercargill

Website

http://www.mortgagelads.co.nz/

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