Cody Subritzky - Mortgage Brokers

Cody Subritzky - Mortgage Brokers Mortgage and Property Finance advisor. Helping Kiwis buy, build, and invest with confidence
Based in Kerikeri, working with clients NZ wide.

We're Cody and Melika Subritzky, the husband-and-wife team behind Cody Subritzky Mortgage Brokers. Cody is our FAP-licensed adviser, with 15 years across financial services. He works with people through the whole property journey, first home, investment, building or renovating, refinancing or restructuring, commercial property, or finding a way forward when your main bank can't help. Melika runs t

he brand, marketing, and everything around the advice. We're based in Kerikeri and work with clients right across New Zealand. Most of what we do happens over the phone or online, with meetings by appointment. We look at every deal in full, find the lender whose appetite fits, and manage the process properly through every stage. If you're weighing up your options, get in touch and we'll chat it through.

Property viewings and offers often happen after hours and on weekends, and it can be an emotional process. So we make ou...
05/09/2026

Property viewings and offers often happen after hours and on weekends, and it can be an emotional process. So we make ourselves available when clients need us, not just between nine and five.

Every property decision is a bigger decision than it looks.It’s not just about the house. It’s about what your life look...
23/07/2026

Every property decision is a bigger decision than it looks.

It’s not just about the house. It’s about what your life looks like after you sign. It’s a special time, whether it’s a first home of your own, more space for a growing family, or the independence that comes with a place to call yours.

As corny as it sounds, a house is more than a house for a lot of people. For us, being part of this journey and supporting people where we can gives us a real sense of purpose.

If you’re anywhere in that journey and want to chat, we’re here.

The moment buying a property becomes a goal, that’s the time to talk to us.Even if you’re potentially months or years of...
23/07/2026

The moment buying a property becomes a goal, that’s the time to talk to us.

Even if you’re potentially months or years off buying a home. Having a conversation early will help shorten the distance between wanting and having. We’ll help you see what you’re doing well, what needs work, and what to focus on to move the needle, and we’ll keep in touch along the way.

Whether or not you become a client, you’ll leave better informed, better prepared, and more capable of progressing your property journey.

There’s no charge for our service either, so there’s nothing to lose and a lot to gain.

When you apply for a home loan, nobody’s counting your coffees. What the bank actually looks at is the bigger picture: s...
21/07/2026

When you apply for a home loan, nobody’s counting your coffees. What the bank actually looks at is the bigger picture: steady income, a bit left over at the end of the month, and an account you run without missed payments or going over your limit.

A coffee a day inside a tidy budget generally isn’t the problem. If you’re wondering how your own spending looks to a lender, you don’t have to guess. That’s exactly what we can show you.

The conversation all couples should have before they start looking at houses. 1. What are your must-haves? Five or less....
16/07/2026

The conversation all couples should have before they start looking at houses.

1. What are your must-haves? Five or less.
2. What’s the maximum you’re willing to repay each month?
3. Where does this home fit in your bigger plans?

And the one we like best: give each other a veto. One or two each, no explanation required.

Agree on these and you’ll both know what you’re looking for.

Send this to the person you’re buying with.

07/07/2026

Everyone focuses on the deposit. Then a few other costs turn up that people don’t always plan for. Here’s what to budget for before you start looking:

- Legal fees: $2,000 to $3,000
- Builders report: $400 to $800
- LIM report: around $400
- Registered valuation: $800 to $1,200 (often needed if your deposit is under 20%)
- House insurance: varies, sorted before you settle
- Rates: ongoing, plus any the seller has prepaid

A few more can pop up depending on your situation: Healthy Homes if you’re buying a rental, accountant fees if you’re self-employed.

One bit of good news: some banks offer a cash contribution when you take your mortgage with them, which can help cover a few of these. Whether you qualify, and how much, depends on the lender and your loan. It’s one of the things we look at for you.

Save this for when you start looking.

Actual costs may vary depending on the property and service providers used.

We’re halfway through 2026, and it’s been a big one for us.We bought a new house, moved the office home, rebuilt our web...
05/07/2026

We’re halfway through 2026, and it’s been a big one for us.

We bought a new house, moved the office home, rebuilt our website, and made the big call to step away from life insurance so we can focus fully on property finance.

And through it all, we’ve helped clients into their first home, through to their next one, funding builds, growing portfolios, and restructuring lending along the way.

Grateful for a big six months, and for every client who trusted us with theirs.

As of the 1st of July, we’ve closed off our life insurance advice service to focus fully on our mortgage broking and pro...
02/07/2026

As of the 1st of July, we’ve closed off our life insurance advice service to focus fully on our mortgage broking and property finance work. Life insurance is where it all began for us, but our heart has found its home in property finance.

As part of this change, we’ve been fortunate to hand the servicing of our existing life insurance clients over to Ashley Nock and Tony Walker at Wealthpoint North.

WPN was Cody’s home before starting CSMB, and he’s kept a close personal and professional relationship with the whole team since. Our clients are in good hands.

A 20% deposit is what banks like to see, but plenty of first home buyers buy with less, and we help people do it all the...
30/06/2026

A 20% deposit is what banks like to see, but plenty of first home buyers buy with less, and we help people do it all the time.

Sometimes that’s as little as 10% under the Reserve Bank’s low-deposit lending rules, or even 5% if you qualify for a Kainga Ora First Home Loan.
 
The thing most people don’t realise is banks can issue low deposit loans; the catch is they have limited spots each month. The good news is, that changes all the time. So while one might be full this week, others have room. So, a big part of what we do is navigating this challenge for you, so you don’t have to.
 
Worth knowing that while having a smaller deposit can get you into a home sooner, it does cost a bit more in interest, but that’s only until you reach your 20% equity milestone. The reason for this - under 20%, you’re seen as higher risk, so you might pay a low equity fee or a slightly higher rate. We factor that in before we look at your options to make sure your mortgage is still manageable in the short term.
 
If your deposit is the thing holding you back, come have a chat and we’ll see what your options are. 

25/06/2026

You don’t need to have found a house to reach out to us.

The best time to call is when you decide buying is your next goal. The earlier we talk, the shorter the gap between thinking about it and actually getting there.

The earlier you come to us, the more confident you’ll feel going into it. We can show you what lenders actually look at, where you stand right now, what you’re doing well, and what needs more attention. Buying property has a lot of moving parts and we can help fill the knowledge gaps and be a sounding board for any ideas you have along the way.

Reach out when buying property feels like a goal for you.

Address

94 Kerikeri Road
Kerikeri
0290

Telephone

+64277332782

Website

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