Melissa Rothman - The Mortgage Supply Co

Melissa Rothman - The Mortgage Supply Co First Home • Refinance • Investment • New Builds • Second Home Based in Kaiapoi, servicing North Canterbury and Christchurch. This will save you time and money!

🏡 Your local Mortgage Broker
📍 Kaiapoi | North Canterbury | Christchurch | Ashburton
Helping first home buyers, families & investors navigate their home loan journey. I'm a Mortgage Broker that specialises in Residential Property Lending for The Mortgage Supply Co. I can also assist clients anywhere else in NZ via zoom. I will simplify what can be a very stressful process and work on your behalf w

ith the banks and other lenders to find you the best overall home loan. With a background in Finance and Relationship Management roles and working for other Mortgage Advisers within The Mortgage Supply Co, this gave me the insight to make the next step in my career and become an adviser myself. I'm right where I want to be - helping clients achieve their goals. Deciding to be self-employed vs re entering the financial industry as an employee, gives me more work/life balance. It is important to me to have flexible working hours while having two school aged children. I'll be flexible to see clients at any time that suits them. First home buyers, existing home owners looking to sell and buy, property investors and anyone looking to refinance - I look forward to working with you. Nothing wrong with a "mortgage moment" – it’s one of life’s big ones.

24/08/2026

Time is flying by. If buying your first home, refinancing or reviewing your current mortgage has been on your to do list - now is the perfect time to get started. Reach out today and let’s make it happen.

🏡 Mortgage Market Wrap | ChristchurchThe property market may be moving at a slower pace, but for prepared buyers, there ...
14/08/2026

🏡 Mortgage Market Wrap | Christchurch

The property market may be moving at a slower pace, but for prepared buyers, there are still opportunities.
Cotality’s latest data shows property values fell 0.3% in July, taking the quarterly decline to 1.0% and the annual decline to 0.7%.

📍 Christchurch’s average property value is now $732,447.

First-home buyers remain active, making up 27% of property purchases in Q1 2026, while investors are also beginning to return to the market.

A few things I’m seeing right now:
👉 Refinancing
Some lenders are offering competitive cashback incentives. If your fixed rate is coming up for renewal, it’s worth looking at the bigger picture — not just the interest rate, but also cashback, fees, loan structure and your longer-term plans.
👉 Renovations
With homeowners getting plans underway ahead of the summer building season, getting your finance sorted early can help you understand your budget and identify any funding gaps before you commit.
👉 Debt consolidation
We’re also having more conversations around consolidating debt. Where appropriate, combining personal debt with a home loan can simplify finances and potentially reduce monthly repayments.

What’s next? 👀
The next OCR announcement is scheduled for 2 September, with the election also just around the corner. Both will be closely watched as we head towards the final part of 2026.

If you’re thinking about buying, refinancing, renovating or consolidating debt, now is a good time to check your numbers and make sure your lending is set up for what’s next.

📞 Melissa Rothman | Your Local Mortgage Adviser
Kaiapoi | North Canterbury | Christchurch |
022 635 0458
[email protected]

Amongst the rain, hail, snow and sunshine this week, here's what else has been happening. 💥First home buyers went uncon...
06/08/2026

Amongst the rain, hail, snow and sunshine this week, here's what else has been happening.

💥First home buyers went unconditional and will be getting the keys to their dream home this month, purchased at auction after getting all their ducks in a row!
💥Lovely wee family purchased their dream home and move in next week – absolute luxury property this one, they have done so well to get here!
💥Refinance meeting with a couple I helped 2 years ago, went over their new goals and came up with a new structure plan
💥First home buyer who I met with last year has come back ready to aim for pre approval – commission income in the mix needed to be more consistent, we made a plan now making it happen
💥Pre approval sent out for a lovely couple looking to do a new build in Rolleston
💥Met with another young couple looking to buy their first home – went over the numbers, paperwork submitted and pre approval letter in their inbox 2 days later!
💥My son was selected to take part in the North Canterbury Cantamath competition, his team came 4th – so proud of him!
Takes after me 🤓

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?

Send me a message, I'd love to help.
Making the home loan journey simple for first home buyers, families, and property investors.
[email protected]
022 635 0458

🏡 Midweek Mortgage UpdateHere's what's happening this week: 👉RatesSome lenders have increased their 1 year, 18 months an...
28/07/2026

🏡 Midweek Mortgage Update

Here's what's happening this week:

👉Rates
Some lenders have increased their 1 year, 18 months and 2 year rates this week. Another reminder that if you have a re-fix coming up soon get some advice before locking in a new rate.
👉Tip
Check your credit card limits!
Even if you don’t owe anything on your credit card, the limit you have available can still affect how much you may be able to borrow.
👉Win
Grateful for another lovely review - Luis and Esperanza recently purchased their first home together in Ashburton.

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?

Send me a message, I'd love to help.
📧 [email protected]
📱 022 635 0458

🏡 Midweek Mortgage UpdateHere's what's happening this week: 👉RatesAfter the recent OCR announcement not all mortgage rat...
14/07/2026

🏡 Midweek Mortgage Update

Here's what's happening this week:
👉Rates
After the recent OCR announcement not all mortgage rates are moving in the same direction. Some shorter-term fixed rates have edged slightly higher recently, and some longer-term rates have eased as wholesale markets have settled.
👉Tip
Before applying for pre-approval, try to avoid missed payments and unarranged overdrafts.
A clean set of bank statements can make the approval process smoother and give the lender more confidence in your ability to manage a mortgage.
👉Win
Grateful for another 5 star review - Kate & her family are building their dream home in Rangiora, North Canterbury - it's been exciting watching the progress on this one.

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?

Send me a message, I'd love to help.
📧 [email protected]
📱 022 635 0458

🏡 Midweek Mortgage UpdateHere's what's happening this week: 👉RatesThe OCR has increased today to 2.50% - we await the ba...
08/07/2026

🏡 Midweek Mortgage Update

Here's what's happening this week:
👉Rates
The OCR has increased today to 2.50% - we await the banks response to this announcement.
👉Tip
Before you start attending open homes, get your finance sorted first - knowing your budget gives you confidence, helps you move quickly when the right property comes along, and can put you in a stronger position when making an offer.
👉Win
Grateful for another 5 star review - Amy came to me when her refix was due, a better deal was found elsewhere!

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?

Send me a message, I'd love to help.
📧 [email protected]
📱 022 635 0458

Congratulations to this lovely couple getting the keys to their new home today - I'm so happy for them!It’s been quite t...
02/07/2026

Congratulations to this lovely couple getting the keys to their new home today - I'm so happy for them!

It’s been quite the week –

💥First home buyer 21! gone unconditional, wasn’t sure he was ready, moves in next week.
💥Separated Dad starting again, found an awesome new home for him and his child, gone unconditional, moves in this month.
💥Self employed client starting a new chapter, found the perfect house – financials and insurance speed bumps but we got there. Also moves in next week!
💥Personal loan approved for a client and funds in their account already to repay their credit cards – next step home ownership!
💥A meeting with first home buyers to run the numbers for them – paperwork already underway for pre approval.
💥 2 refinance meetings, looking at the different bank options to see if we can chase a better interest rate and cash back offer.

Bring on next week!

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?
Send me a message, I'd love to help.

📧 [email protected]
📱 022 635 0458

🏡 Midweek Mortgage UpdateHere's what's happening this week: 👉RatesSome lenders have now dropped their longer term rates....
01/07/2026

🏡 Midweek Mortgage Update

Here's what's happening this week:
👉Rates
Some lenders have now dropped their longer term rates.
👉Tip
Don't let Winter put you off buying a house, right now is a good time to be looking without the added pressure we see in a faster-moving market.
👉Win
Sometimes we do a wee 2 step process -
Step 1 - Personal loan approved for a couple to repay some of their debts.
Step 2 is pre approval to buy their first home.
Consolidating debts can make a huge difference to repayments and overall financial position. One credit card was at nearly 30% interest rate!! Credit cards be gone, first home here we come 🏠

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?

Send me a message, I'd love to help.
📧 [email protected]
📱 022 635 0458

🏡 Midweek Mortgage UpdateHere's what's happening this week: 👉RatesSome first-home buyers can get rates from as low as 4....
17/06/2026

🏡 Midweek Mortgage Update

Here's what's happening this week:

👉Rates
Some first-home buyers can get rates from as low as 4.19% fixed for 1 year under the Kāinga Ora Home Loan.
👉Tip
Making even a small increase to your regular repayments can help reduce the amount of interest paid over the life of your loan.
👉Win
Successfully refinanced a client, helping them secure a more competitive rate and better loan structure along with a cashback of 1.25%

Thinking about buying, refinancing, renovating, or just wanting to understand what your options could look like?

Send me a message, I'd love to help.
📧 [email protected]
📱 022 635 0458

Address

Kaiapoi

Telephone

+64226350458

Website

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