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Cathro Financial Services

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Cathro Financial Services

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For most people, the dream of owning their first home or being able to maximise the benefits of their existing home loan is quite a daunting feeling.

We specialise in helping people find mortgage solutions.

28/10/2026

Multiple debts. Multiple repayments. A lot to keep track of 🤯

If you have credit cards, store cards, personal loans or other short term debt facilities, it could be worth looking at the bigger picture.

Debt consolidation may provide a way to simplify multiple debts into one loan and one regular repayment. Whether it makes sense comes down to your individual circumstances and the numbers.

Ready to take a closer look? Send us a message!

13/10/2026

12 years ago, Mandy didn’t think owning a home was on the cards.

Like many Kiwis, life threw a few curveballs. There were setbacks, uncertainty, and moments when giving up seemed easier than pushing forward. But with the right plan, some patience, and a lot of determination, they got there.

Stories like this are why we do what we do.
Thank you for trusting us to be part of the journey, Mandy. 🏡

11/10/2026

Low-deposit first-home buyers(5-19% deposit)
You've likely gone to your own bank for a pre-approval. Have you got the best approval? Look at these three options. Which one will you choose?
The rates below are 2-year standard fixed rates. Most will have something similar to option C. Rates are subject to change.
This example refers to:
-760.000 purchase price.
-76.000 deposit
-684,000 borrowed (cashback determined off of this amount).
Our service is free. We are paid by the lender. What have you got to lose?
https://www.cathrofinancialservices.co.nz/contact-us

08/10/2026

Before you refix… ask these. Then ask us.

02/10/2026

Follow me on TikTok.
the mortgage roadie. Where I share all things first home buying on my travels.

https://www.tiktok.com/?fbclid=IwY2xjawUs-VZleHRuA2FlbQIxMABwZG9mBWJyaWQRMVlFdXFnRWdHYjRwWFlhaEdzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEe6NuW-EZr6r6-F15vhD_VOqqC99SVjAacJomhEgsmJ7tSZFzSFz5eKcDlt9M_aem_2iNjEP09b0arNLwchgUrrw

14 Followers, 12 Following, 49 Likes - Watch awesome short videos created by mortgageroadienz

30/09/2026

This might be the biggest financial decision you make besides buying your house!

Mortgage Fixed rate expiring? Before you click "refix" with your bank, understand your options.

We have created a facebook group called Mortgage Freedom Community NZ
This group helps people make informed decisions about expiring mortgage rates, Structure, interest rates, cashback, faster repayment strategies, interest-saving strategies, loan splitting, and more.
Helps you share the load with others in the same boat.
To join the group:
https://www.facebook.com/groups/1325771708427461
To also get free no obligation advice contact us:
https://www.cathrofinancialservices.co.nz/contact-us

Fill out some info and we will be in touch shortly! We can't wait to hear from you.

30/09/2026

That settlement day feeling… 🤩

Your turn might be closer than you think.

Flick us a message and we’ll help you figure out your next step.

30/09/2026

Comparison is a dangerous thing.

Someone else’s chapter 15 can make your chapter 3 feel like a failure.

But what you don’t see is the sacrifices, setbacks, detours and different circumstances that shaped their journey.

Whether you’ve been building a career, supporting family, travelling, studying, saving, or simply figuring life out, none of it means you’ve fallen behind.

There is no perfect timeline for buying a home.

There is only your timeline 📅

And your next step may be closer than you realise.

28/09/2026

Did you know refinancing your home loan could come with a cashback contribution of up to 1.25%? 🌟

Many homeowners simply refix with their current bank without reviewing whether their mortgage structure still suits their needs. A review could help you explore more competitive options, unlock equity, or potentially access cashback offers available to eligible borrowers.

You may be eligible if:
- Your fixed rate is due to expire within the next 90 days
- You have $500,000 or more rolling off your fixed rate
- You have not received a home loan cashback contribution within the last 3 years

If your rate is coming up for renewal, now could be a great time to review your options.

Get in touch for a no-obligation mortgage review 🔍

Cashback offers, lending criteria, minimum loan amounts, and bank terms and conditions apply.

25/09/2026

Another first home settled ✅🏡

Huge congratulations to this family on achieving their home ownership goals. We’re thrilled to have been part of the journey!

Address

PO BOX 530
Kumeu
0810

Opening Hours

Monday	6am - 10pm
Tuesday	6am - 10pm
Wednesday	6am - 10pm
Thursday	6am - 10pm
Friday	6am - 10pm
Saturday	6am - 10pm
Sunday	6am - 10pm

Telephone

027 216 3350

Website

http://www.cathrofinancialservices.co.nz/

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