Aidan Hand Mortgages

18/06/2026

New office, same friendly advice!

I've recently moved into our new office at Assemble, just behind Bunnings in Mangawhai Central.

If you're around town, feel free to call in for a no-obligation chat.

Not local? No worries—I help clients all over New Zealand, so I'm always happy to jump on a phone call or Zoom to discuss your options.

The coffee is excellent... ☕️

The barista is a bit questionable though. 😂

Drop me a message or give me a call on 021 850 943 for a confidential, no-obligation chat.

27/05/2026

OCR UPDATE | The Reserve Bank has today held the Official Cash Rate at 2.25%.

While rates have stayed the same for now, the tone from the Reserve Bank was more cautious than many expected, with inflation pressures still sitting above target and some board members already pushing for rate increases.

What does this mean?

• Fixed mortgage rates may slowly start edging higher again
• Borrowing capacity could tighten further
• Banks may continue increasing servicing test rates
• Now could be a good time to review your lending structure and future plans

There is still strong competition between the banks right now, but timing is becoming increasingly important.

If your lending is coming off fixed in the next 6–12 months, or you are thinking about buying, refinancing, renovating, or investing, feel free to reach out for a no obligation review.

28/04/2026

Been speaking to a few people lately who didn’t realise how much things have changed with lending.

Some are in a better position than they thought
Some need a plan to get there

If you’ve been thinking about:
• buying
• refinancing
• or just want to know where you stand
Happy to run through it – takes 15 mins

24/02/2026

🍀 The 5th Annual Shamrock Cup is Back! 🍀
This is shaping up to be our biggest and best year yet.
Join us on Saturday 14th March at Mangawhai Golf Club for a fantastic day of golf, "Ceol agus Craic" — great shots, great laughs, and even better company.
With a $5,000 prize table, competitions including longest drive, nearest the pin, twos, and of course Best Dressed, there’s plenty up for grabs both on and off the course.
And the fun doesn’t stop when the golf finishes…

We’ll be rolling straight into a family-friendly party after, with:
🍻 Music, laughs, and celebrations
👕 Best dressed prizes for adults AND kids
🎉 A proper Irish-style atmosphere to wrap up the day
Whether you're playing, supporting, or just coming along for the party, everyone is welcome.
Let’s make this the best Shamrock Cup yet.
Entries now open via Mangawhai Golf Club and are filling FAST!
See you there ☘️

20/02/2026

2026 Mortgage & Property Market Prediction — Now the OCR dust has settled

With the OCR now held steady and fixed rates down significantly from their peaks, 2026 is shaping up to be a year of gradual improvement — not a boom, but a steady recovery.

Here’s what I’m seeing:

• Rates have dropped from near 7% to the mid-4% range for many terms
• Most households will feel relief progressively as they refix
• Property market is stabilising before confidence fully returns
• Activity is likely to build through the second half of 2026

One important factor still ahead is the NZ election in Q4.

Historically this can create short-term hesitation, but once certainty returns, activity tends to resume quickly. Mortgage rates themselves are driven more by inflation and Reserve Bank decisions than politics.

My outlook for 2026:

Q1 – Planning and refixing phase
Q2 – Confidence improves as borrowers refix at lower rates
Q3 – Increased buying, upgrading and investing activity
Q4 – Some election caution, but fundamentals remain strong

Overall, 2026 looks like a recovery year — with improving cashflow, better lending opportunities, and more flexibility for homeowners.

If your mortgage is coming up for refix this year, it’s worth reviewing early so you have options.

Book a Strategy Chat https://ahmortgages.co.nz/contact

29/01/2026

🌞 Sun’s shining and the water’s looking mint.
Great few days ahead to get out there — hearing solid reports of good fish working around the birds in 60–70m 🎣
Stoked to be sponsoring this tournament — such a bloody good way to kick off the year. 🙌

It’s been an absolute pearler the last couple of days, and today’s another beauty 🌊☀️
Who’s been out fishing?! Send us your catch pics 👀🐟

⏰ 2 days left of the Summer Slam – Members Only Fishing Comp! 🎣🔥

💰 $2,000 worth of prizes up for grabs
🙌 Huge thanks to our awesome sponsors for backing this comp:

• Mangawhai Marine
• Aidan Hand Mortgages

Get your lines wet, log those catches, and make it count!

21/01/2026

🔍 5 Signs You Should Review Your Mortgage in 2026

🚩 You should review your mortgage this year if:

1️⃣ Your rate hasn’t changed in 12+ months
2️⃣ You’ve never had a cashback
3️⃣ You’ve rolled off a fixed rate recently
4️⃣ Your income or expenses have changed
5️⃣ You just haven’t looked at it

📘 We cover all of this (and more) in our Refinance e-Book.

📩 Message us “REVIEW” and we’ll send it through.

15/01/2026

Thinking about a new car in 2026? 🚙

If a vehicle upgrade is on the cards this year, we can help with the finance too.

💰 Car finance from 6.85% p.a. (conditions apply)
In many cases, this beats standard dealer and market rates.

Whether you’re buying new or used, upgrading the family car, or refinancing an existing loan, we’ll help structure finance that suits your cashflow and wider financial goals.

👉 Message us to explore your options before you start shopping.

05/01/2026

🎉 Happy New Year from AH Mortgages!

Now that the dust has settled and the BBQs are done, it’s the perfect time to ask:
Is your mortgage still working for you in 2026?

Interest rates, cashbacks, and lending rules change — but most mortgages don’t unless you review them.

📘 To help kick off the year, we’ve created a FREE Refinance Guide that breaks down:
✔ When refinancing makes sense
✔ How to spot a “lazy loan”
✔ How much a review could save you

📘 You can download it here:
👉 https://ahmortgages.co.nz/refinance-your-mortgage-download-guide

No bull. No obligation.

19/11/2025

🎅💰 Santa’s arrived early… and he’s working with the banks this year! 💰🎅

The Big Four banks in NZ are now offering up to 1.5% cashback on new lending.

To put that into perspective…
🏡 On a $1,000,000 mortgage, that’s a $15,000 cashback straight back into your pocket!
Perfect timing for Christmas, renovations, debt consolidation, or a summer holiday boost.

If you’re thinking about refinancing, restructuring, or buying, now is a very good time to explore your options.

Flick me a message or give me a call — happy to run the numbers and see if you can snag the early Christmas present! 🎄📞