Jared Whitburn - Mortgage Advisor

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Jared Whitburn - Mortgage Advisor Helping everyday Kiwis buy their first home & build freedom through property 🏡
Real advice. Real stories. www.facebook.com/groups/empowermortgagescommunity

Real results.
👇 Join the FB group - learn, plan & build freedom.

This all started with a quick call about how the process of buying a home works. After a bit of restructuring, this love...
15/10/2026

This all started with a quick call about how the process of buying a home works. After a bit of restructuring, this lovely family has managed to put a SOLD sign up! 🏡🙌

14/10/2026

🏡 Think you need a 20% deposit to buy your first home? Think again! 👀
I recently spoke with a first-home buyer who was blown away to find out they could potentially purchase a $500,000 property with just a 5% deposit through Kāinga Ora’s First Home Loan scheme.
There are so many first-home buyers who assume they need a huge deposit before they can even consider getting into the property market, but that isn’t always the case.
If your deposit is what you think is holding you back from buying your first home, it could be worth exploring your options.
Feel free to reach out to me and let’s run your numbers to see what might be possible for you. 🏡
Eligibility criteria, lending conditions and lender approval apply.

Another lovely review from clients I had the pleasure of helping through their lending journey 🏡It means a lot to know t...
11/10/2026

Another lovely review from clients I had the pleasure of helping through their lending journey 🏡

It means a lot to know they felt supported, informed and confident throughout the process. Thank you for the kind words and for trusting me to help you achieve your goals! 🙌

08/10/2026

Been declined by the bank? It doesn’t always mean the answer is no. 🏡

I’ve had plenty of clients come to me after being declined by their bank, and by looking at the full picture and repositioning the deal, we’ve been able to find a way forward.

Every lender looks at things differently, which is why it can be worth talking to a mortgage adviser before giving up on your plans.

Sometimes it’s not a matter of whether you can borrow…it’s about finding the right way to structure the deal. 🔑





🏠💰 How much you can borrow isn’t just about your income.There are a number of things lenders look at when assessing a ho...
07/10/2026

🏠💰 How much you can borrow isn’t just about your income.

There are a number of things lenders look at when assessing a home loan, and different lenders can assess things differently.

Swipe through to see some of the key factors that could affect your borrowing power in 2026.

If you’re thinking about buying, upgrading or refinancing, feel free to reach out and we can have a chat about your options. 😊

Reviews like this honestly mean so much. Helping people achieve their goals and making what can be a stressful process f...
05/10/2026

Reviews like this honestly mean so much.
Helping people achieve their goals and making what can be a stressful process feel a little easier is exactly why I do what I do.
Every situation is different, and I’m always grateful when clients trust me to help them navigate their options and find a way forward.
A huge thank you for taking the time to share such kind words. It’s been a pleasure helping you guys, and I’m so pleased I could get you to where you wanted to be. 🏠
If you’re thinking about buying, refinancing or just want to understand what your options might look like, feel free to reach out to me.

01/10/2026

You may be closer than you think to owning your own home. Reach out and let’s have that conversation 👋

The lowest mortgage rate isn’t always the best deal 👀When you’re looking at mortgages, it’s easy to focus on one thing:“...
29/09/2026

The lowest mortgage rate isn’t always the best deal 👀

When you’re looking at mortgages, it’s easy to focus on one thing:

“What’s the lowest interest rate I can get?”

But there’s more to consider.

Before choosing a mortgage, it’s worth looking at:

🏠 Interest rate - obviously important, but only one part of the picture.

💰 Cashback / incentives - some banks may offer incentives for new lending, but there can be conditions attached.

📅 How long you want to fix for - the lowest rate today might not necessarily suit your plans over the next few years.

🔄 Your future plans - if you’re thinking about selling, refinancing, renovating or buying another property, your flexibility matters.

💳 Your lending structure - splitting your mortgage across different fixed terms or keeping a portion floating/offset may suit some borrowers better.

📋 The bank’s lending criteria - the rate you see advertised doesn’t necessarily mean that’s the rate or loan structure you’ll qualify for.

So rather than simply asking:

“Who has the lowest rate?”

It can be more useful to ask:

“Which mortgage setup makes the most sense for me?”

That’s where getting advice can help.

If you’re coming up to re-fixing, buying, refinancing or just want to see what your options are, feel free to get in touch.

Everyone’s situation is different and lending criteria and rates can change.

09/09/2026

Refinance + Debt Consolidation

Mortgage: $220,000
Property value: $630,000
Current consumer debt: $75,000
Rates were on average 18%
Cashflow was tight and they needed some breathing room

Address

Oamaru

Telephone

+64273103933

Website

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