The Mortgage Advice Company

The Mortgage Advice Company Sound financial and insurance advice The Mortgage Advice Company was established with our customers’ best interest in mind.

Our aim is to help you navigate the minefield of mortgage financing with sound financial advice. Whether you’re a first-time homebuyer, a property investor, or merely refinancing your existing mortgage. The Mortgage Advice Company is the right choice for you. Our passionate and Responsible team are experts with a ton of experience believing in transparency and working towards achieving your dreams

. We are here to give you sound property and lending advice, provide you with more lending options and comprehensive insurance to protect you, your family and your assets. We’re totally independent and not susceptible to excessive carrot dangling.

Most buyers think property regret happens after settlement.Often it starts much earlier.Buying too quickly.Stretching th...
05/06/2026

Most buyers think property regret happens after settlement.

Often it starts much earlier.

Buying too quickly.

Stretching the budget too far.

Ignoring future plans.

Choosing based on emotion rather than strategy.

The best property decisions usually feel exciting and sustainable at the same time.

The goal isn't just getting the keys.

It's being comfortable with the decision years later.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

One of the biggest mistakes buyers make is comparing themselves to someone else.A friend bought with a 10% deposit.A col...
04/06/2026

One of the biggest mistakes buyers make is comparing themselves to someone else.

A friend bought with a 10% deposit.

A colleague got approved last year.

A family member fixed for three years.

None of that tells you what will work for you.

Different incomes.

Different debts.

Different goal

Different lender policies.

Property decisions should be based on your position, not somebody else's experience.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

Most buyers focus on the purchase price.Experienced buyers focus on the total cost of ownership.Insurance.Maintenance.Ra...
03/06/2026

Most buyers focus on the purchase price.

Experienced buyers focus on the total cost of ownership.

Insurance.

Maintenance.

Rates.

Future repairs.

Sometimes the "cheaper" property ends up costing significantly more over time.

Before stretching your budget for a property, it's worth looking at the bigger financial picture.

A smart purchase isn't always the most expensive one you can afford.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

While many buyers are still hesitant, experienced investors are starting to re-enter the market quietly.Why?Because peri...
29/05/2026

While many buyers are still hesitant, experienced investors are starting to re-enter the market quietly.

Why?

Because periods of uncertainty often create negotiation opportunities, better stock selection, and less competition.

The current market isn’t about hype.

It’s about strategy, structure, and understanding where opportunities may exist before confidence fully returns.

The buyers moving now are often the ones planning long-term rather than reacting short-term.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

With insurance, groceries, and household costs continuing to rise across New Zealand, banks are looking more closely at ...
28/05/2026

With insurance, groceries, and household costs continuing to rise across New Zealand, banks are looking more closely at day-to-day spending habits.

Borrowing today isn’t assessed the same way it was a few years ago.

Strong applications now rely heavily on:
• Spending structure
• Existing debt
• Financial consistency
• Cashflow management

In today’s lending environment, preparation matters more than ever.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

Right now, a lot of buyers are sitting on the sidelines waiting for rates to fall further.But the market has shifted.The...
27/05/2026

Right now, a lot of buyers are sitting on the sidelines waiting for rates to fall further.

But the market has shifted.

The OCR may be stabilising, yet wholesale rates and global uncertainty are still influencing mortgage pricing behind the scenes.

That means waiting doesn’t always create a better outcome.

In this market, the advantage often goes to buyers who are prepared early rather than buyers trying to perfectly time the market.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

Some properties fall outside normal bank lending criteria.For example:• Homes without a working kitchen• Properties need...
22/05/2026

Some properties fall outside normal bank lending criteria.

For example:
• Homes without a working kitchen
• Properties needing major renovations
• “Fixer-uppers” purchased for refurbishment

In these situations, bridging finance can sometimes help buyers secure the property first, complete the required work, then refinance into a standard mortgage afterwards.

It’s a specialised area of lending, which is why having a clear exit strategy and the right advice matters.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

Buying at auction works very differently from a normal property purchase.In many cases, buyers need:• A deposit paid imm...
21/05/2026

Buying at auction works very differently from a normal property purchase.

In many cases, buyers need:
• A deposit paid immediately
• Full settlement within around 28 days

This timeline can be tricky with just standard lending alone.

Bridging finance is sometimes used to help buyers secure the property first, then move into long-term lending once everything is completed.

In fast-moving property situations, having the right structure in place early makes all the difference.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

Property timing rarely lines up perfectly.You might find your next home before your current property has sold, or your s...
20/05/2026

Property timing rarely lines up perfectly.

You might find your next home before your current property has sold, or your sale could be delayed unexpectedly.

That’s one of the most common situations where bridging finance can help.

A bridging loan is designed to “bridge the gap” between buying a new property and receiving the funds from your current one.

For many homeowners, it can reduce pressure and allow the move to happen more smoothly instead of rushing decisions around settlement dates.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

Compared to a few years ago, buyers now have more breathing room.More listingsMore negotiation powerMore time to thinkTh...
15/05/2026

Compared to a few years ago, buyers now have more breathing room.

More listings
More negotiation power
More time to think

That’s changing how people approach property decisions.

Instead of rushing, buyers are becoming more strategic.

And in a market like this, preparation matters even more than urgency.

The buyers in the strongest position aren’t always the fastest.

They’re usually the most prepared.

📞 0800 MAC IAC
📧 [email protected]
🌐 www.mortgageadvicecompany.nz

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9-11 Kings Crescent
Lower Hutt
5010

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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