Cody Subritzky - Mortgage Brokers

Cody Subritzky - Mortgage Brokers Based in Kerikeri, we help Kiwis locally & nationwide, finance their first homes, next homes & investment properties. We’re Cody and Melika.

We each made the move from Auckland to Kerikeri at different times, met a few years ago, and now raise five kids together while building our own property dreams. I (Cody) have spent 15 years in the financial services industry, starting with life insurance before finding my passion for helping people finance property and build lasting wealth. Melika brings her knack for organisation and marketing,

honed during her time at Wine Labelle and 144 Islands, to keep new clients coming in and everything running smoothly behind the scenes. When we’re not working with clients, you’ll find us out on the water, in the garden, catching up with friends, or enjoying a quiet drink after a busy week. We believe health, happiness, and good planning are the real foundations of wealth, and we’re here to make sure your property journey sets you up for the future you’re aiming for.

We might be out of the office over the Christmas break, but we’re still here if you need us! We’ll be taking inquiries a...
09/12/2025

We might be out of the office over the Christmas break, but we’re still here if you need us! We’ll be taking inquiries and giving advice by phone or email.

We’re officially a husband and wife team 🖤
21/11/2025

We’re officially a husband and wife team 🖤

All glammed up to watch at the Battle of the Ballroom last weekend, along with so many other amazing dancers!
25/09/2025

All glammed up to watch at the Battle of the Ballroom last weekend, along with so many other amazing dancers!

August ~ a month of moving into our new office and making the most of some sunny winter days.
01/09/2025

August ~ a month of moving into our new office and making the most of some sunny winter days.

We bought our last property $90K below market value – here’s how. We didn’t have an edge.We didn’t have inside info.We j...
28/07/2025

We bought our last property $90K below market value – here’s how.

We didn’t have an edge.
We didn’t have inside info.
We just focused on one thing.
Vendor motivation.

Low-ball offers work best when the vendor is highly motivated (obviously). So our job wasn’t just to know this as a concept, but to figure out how to apply it.

Here’s what we did: We honed our $700K property search to target listings based on:

✅ Aged listings – properties sitting on the market too long that have gone stale (buyers assume something is wrong without investigating)
✅ Long tenure – vendors who’d owned the home for 7+ years (plenty of equity = room to negotiate)
✅ A clear next move – sellers moving overseas, retiring, or separating
We then set out to make offers with no or low conditions and a fast settlement – solving the vendor’s real problem: TIME

The property we bought ticked every box:
* Had fallen through on multiple offers
* The wife had already moved out and wanted her money
* The agent was frustrated and out of options

The lessons we took from this - Don’t fear rejection – you have to throw a few low balls to land one.

And if they counter? You’re in striking distance of their bottom dollar.

I call this tactic “Coat Tailing.”
I borrowed the idea from Warren Buffett – the stock market guru. His approach? Don’t ...
25/07/2025

I call this tactic “Coat Tailing.”

I borrowed the idea from Warren Buffett – the stock market guru. His approach? Don’t try to be the smartest… just follow those who already are.

Here’s how it works in property:
Find the organisations that have the resources to research where growth is coming – and buy where they buy.

So who should you follow?
Look at companies like The Warehouse, Pak’nSave, Mitre 10, and Bunnings. These businesses don’t open new stores unless they’re confident the population is coming and staying.

If you can find out where they’re building next – or buy in an area where they’ve just opened – your chances of above-average capital growth go way up.

You’re not guessing. You’re coattailing their confidence.

Since the first OCR drop, mortgage applications have soared. Banks are under pressure and pre-approvals are taking longe...
22/07/2025

Since the first OCR drop, mortgage applications have soared. Banks are under pressure and pre-approvals are taking longer than ever.

In the past, once we had a clear picture of a client’s lending potential, we’d go straight to work on securing pre-approval before they started house hunting.

But in this new environment, that approach doesn’t serve anyone - not the banks, not us, and definitely not you.

Now, we’re encouraging clients to find the right property first — get it under offer (which we help with) — and then we go to work on securing the finance.

It’s faster, smoother, and more aligned with how banks are actually operating right now and they love us for it.

This approach strengthens our bank relationships, which means better outcomes for our clients, and a reputation that works in your favour when it matters most.

Buying property is not something the average person is involved in every day - but for us, it is.Working with us, you wi...
18/07/2025

Buying property is not something the average person is involved in every day - but for us, it is.

Working with us, you will get a very responsive and reliable service. This is essential for calming the nerves, as property purchases are always time-sensitive.

We also give you the benefit of our collective experience, providing advice, mentoring, and guidance on matters that pertain to the purchasing journey - not just the finance.

We work in a collaborative way with you and your advisers to ensure everyone is singing from the same song sheet and in tune.

We are big-picture thinkers, which means we also have your end goal in mind, weighing up the pros and cons of your options today.

Lastly, we are very excited about property. We want this to be an exciting venture for you too - in particular, we get really fired up when people start making wealth gains with their property.

It’s not that you can’t get into property, it’s just that you feel a little stuck on the first (or next) step.You don’t ...
08/07/2025

It’s not that you can’t get into property, it’s just that you feel a little stuck on the first (or next) step.

You don’t need perfect conditions or a perfect plan.  All you actually need is a little bit of encouragement to get the wheels turning. You may even surprise yourself at where you end up.

Our job is to encourage and support you through your property journey - from first home to investment portfolio and beyond.

As mortgage brokers specialising in property investment, we help you gain the clarity and confidence to go from where you are to where you want to be.

Debt is a great tool for building wealth. Here’s why. 1. Debt Benefits from Inflation. When you borrow money today, infl...
01/07/2025

Debt is a great tool for building wealth. Here’s why.

1. Debt Benefits from Inflation. When you borrow money today, inflation erodes the real value of that debt over time. For example, a $900,000 loan taken today may have a future value of only $703,079 in 10 years (assuming average inflation). This means you’re effectively repaying the debt with dollars that are worth less in the future, reducing the real cost of borrowing.

2. Debt Provides Leverage to Maximize Returns
Debt allows you to amplify investment returns through leverage.

Example 1 – No Leverage: Investing $100,000 into a managed fund earning 15% p.a. would grow to approximately $404,000 in 10 years — a 304% return on your initial investment.

Example 2 – With Leverage: Using the same $100,000 as a 10% deposit on a $1 million property (borrowing $900,000), and assuming the property appreciates at 7% p.a., your equity would grow to approximately $1.067 million in 10 years - a 967% return on your original $100,000.

Even though the property grows at less than half the annual return of the managed fund, the use of leverage increases your return on investment (ROI) by an additional 662%.

It’s easy to get swept up in a dream or idea without fully considering the impact it could have on your life.For example...
24/06/2025

It’s easy to get swept up in a dream or idea without fully considering the impact it could have on your life.

For example, someone might fall in love with the idea of renovating a character villa (I know I have), forgetting that they’re in a two-income household, both working 50+ hour weeks, with two young children and very little spare time.

The same can apply to many other property goals. Often, it’s wiser to work toward these dreams in stages, so the sacrifices required are realistic and manageable.

We’re not here to stand in the way of your goals, even if it might feel that way in the moment. We’re here to provide sound, honest advice, no matter what.

Because getting there is possible. But how you get there matters more.

Asset protection is one of the most commonly overlooked parts of property investing — and it’s a mistake that can cost y...
23/06/2025

Asset protection is one of the most commonly overlooked parts of property investing — and it’s a mistake that can cost you everything.

When you’re starting out, it’s easy to focus on buying the property, getting the mortgage, and building your portfolio. But if you’re not thinking about how you own those assets , and what would happen if things go wrong, you’re leaving yourself exposed.

Asset protection isn’t just for the wealthy. It’s about being smart from the start. Structuring your ownership correctly, using the right entities, and separating risk are all strategies that can protect your future wealth.

Because once you’ve built equity, it’s a lot harder (and riskier) to unwind. The best time to get your structure right is before you grow. Not after.

If you’re investing in property, or thinking about it, don’t just ask what you should buy. Ask how you should own it.

Address

94 Kerikeri Road
Kerikeri
0290

Opening Hours

Monday 8:30am - 5:30am
Tuesday 8:30am - 5:30am
Wednesday 8:30am - 5:30am
Thursday 8:30am - 5:30am
Friday 8:30am - 5:30am

Telephone

+64277332782

Website

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