Ben Garrett - Mortgage Lads

Ben Garrett - Mortgage Lads The small mortgage advisory where every home loan is perfectly tailored to your unique journey.

Interest rates are beginning to rise againFor many men, looking after the family means trying to make the “right” financ...
01/09/2026

Interest rates are beginning to rise again

For many men, looking after the family means trying to make the “right” financial decision every time. But when interest rates start changing, the right answer is not always obvious.

In July, the Reserve Bank increased the OCR from 2.25% to 2.50%. However, mortgage rates do not necessarily move immediately or by the same amount. Banks consider wholesale funding costs, market conditions and their own lending strategies when setting rates.

That means one bank, rate or fixed term may not suit every household.

If your mortgage is approaching its refix date, consider:
🏡 What repayments can your family comfortably afford?
🏡 Are any major life changes coming?
🏡 How important is repayment certainty?
🏡 Would you benefit from keeping some flexibility?

Being financially responsible does not mean predicting the market perfectly. It means understanding your options and choosing a structure that supports the life you are building.

📩 Is your fixed term ending soon? Talk to the Mortgage Lads team before making your next move.
Phone: 021 074 2432
Email: [email protected]

Too Many Repayments to Keep Track Of?Multiple debts can mean different payment dates, interest rates and fees—all compet...
27/08/2026

Too Many Repayments to Keep Track Of?

Multiple debts can mean different payment dates, interest rates and fees—all competing for space in your monthly budget.

Debt consolidation may allow eligible borrowers to combine certain debts into a more manageable structure. However, it’s important to consider the total cost, repayment period and whether the new arrangement genuinely improves your position.

The goal should be more than one convenient payment. It should be a clear and sustainable way forward.

Let’s review the bigger picture. Contact Mortgage Lads for a no-nonsense conversation about your options.
Phone: 021 074 2432
Email: [email protected]

Buying an Investment Property Takes More Than a Deposit.An investment property may look great in the listing, but the nu...
25/08/2026

Buying an Investment Property Takes More Than a Deposit.

An investment property may look great in the listing, but the numbers behind it matter just as much as the property itself.

Before making an offer, consider the deposit, expected rental income, ongoing expenses, loan repayments and how the purchase could affect your existing finances.

Good preparation can help you approach property investment with a clearer understanding of the commitment involved.

Exploring an investment property? Talk to Mortgage Lads before you start making offers.
Phone: 021 074 2432
Email: [email protected]

🎉 WE HAVE A WINNER! 🎉Huge congrats to Karley Henderson-Tetai, who has won the $200 Prezzy Card 🙌Thanks heaps to everyone...
23/08/2026

🎉 WE HAVE A WINNER! 🎉

Huge congrats to Karley Henderson-Tetai, who has won the $200 Prezzy Card 🙌

Thanks heaps to everyone who entered, tagged a mate and followed the Mortgage Lads page — and a big welcome to all the new followers 👋

Really appreciate the support. We’ll definitely be doing more giveaways like this, so keep an eye on the page 👀

Karley, also keep an eye in the post as it will be on it's way shortly! 💳

Is Your Home Loan Still the Right Fit?The home loan you arranged several years ago was based on your circumstances at th...
19/08/2026

Is Your Home Loan Still the Right Fit?

The home loan you arranged several years ago was based on your circumstances at the time.
Since then, your income, expenses, family needs and financial goals may have changed.

A financial health check can help you review your current lending, identify areas that may need attention and make sure your finances remain aligned with where you want to go next.

You don’t need to wait for something to go wrong before reviewing your position.

Give your finances a check-up. Book a friendly conversation with Mortgage Lads.
Phone: 021 074 2432
Email: [email protected]

Renovate or Relocate?Running out of space doesn’t always mean you need to move.A renovation could help you create the ex...
17/08/2026

Renovate or Relocate?

Running out of space doesn’t always mean you need to move.

A renovation could help you create the extra bedroom, larger kitchen, home office or outdoor living area your family needs—while allowing you to stay in the neighbourhood you already love.

The important part is understanding what the project may cost and how the finance could be structured before the work begins.

Planning improvements to your home? Speak to Mortgage Lads about your renovation finance options. Talk to Mortgage Lads.
Phone: 021 074 2432
Email: [email protected]

📢 Win a $200 Prezzy Card. We're giving away one $200 Prezzy Card to one lucky winner!Don't miss your chance. To enter, l...
17/08/2026

📢 Win a $200 Prezzy Card. We're giving away one $200 Prezzy Card to one lucky winner!

Don't miss your chance. To enter, like the Mortgage Lads page, tag a friend in the comments, and make sure your friend likes our page too. That's it. Once you've both liked and followed the page, you're in the draw.

👀Winner drawn at the end of the week.
*Not endorsed by Facebook

Your Fixed Term Is Ending—Now What?When your fixed home loan term is coming to an end, simply accepting the first option...
13/08/2026

Your Fixed Term Is Ending—Now What?

When your fixed home loan term is coming to an end, simply accepting the first option presented to you may not always be the best move.

This is a good opportunity to review:
• Your current interest rate
• The length of your next fixed term
• Whether your loan structure still suits you
• Any changes to your income or future plans

A home loan should continue working for your circumstances—not just remain unchanged for convenience.

Refix date approaching? Chat with Mortgage Lads before making your decision.
Talk to Mortgage Lads.
Phone: 021 074 2432
Email: [email protected]

Don’t Wait Until You Find the House.Found yourself scrolling through property listings every night?Before you fall in lo...
11/08/2026

Don’t Wait Until You Find the House.

Found yourself scrolling through property listings every night?

Before you fall in love with a home, it helps to understand what you may be able to borrow, what repayments could look like and which costs need to be included in your budget.

Getting prepared early can help you search with greater confidence and make stronger decisions when the right property comes along.

Thinking about buying? Contact Mortgage Lads and let’s work out your next step.
Phone: 021 074 2432
Email: [email protected]

A huge congratulations to two of our incredible mortgage advisers on their well-deserved recognition at the Prosper PD D...
07/08/2026

A huge congratulations to two of our incredible mortgage advisers on their well-deserved recognition at the Prosper PD Day 2026! 🎉

🌟 Heather Roney-Kleb – Top Achiever Auckland 2026
🌟 Ben Garrett – Compliance Excellence Award 2026

These awards are a reflection of your dedication, professionalism, and genuine commitment to delivering outstanding outcomes for every client.

Your hard work, knowledge, and passion for helping people achieve their home ownership goals never goes unnoticed.

We couldn't be prouder to have you both as part of our team. Thank you for setting the standard and inspiring those around you.

Please join us in congratulating Heather and Ben on these fantastic achievements! 👏🏡🥂

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