Stellar Mortgages

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Stellar Mortgages Don't settle for just any mortgage - get a Stellar Mortgage! Helping you get the best mortgage or refinance for your needs is what I’m all about.

Whether it is your 1st home or 51st home we do all the hard work for you and hold your hand all the way.

How many times have you Googled these? 😂🏡 How much deposit do I need?🏡 Can I buy with 10%?🏡 How much can I borrow?🏡 Do I...
28/10/2026

How many times have you Googled these? 😂

🏡 How much deposit do I need?
🏡 Can I buy with 10%?
🏡 How much can I borrow?
🏡 Do I need KiwiSaver?
🏡 Am I actually ready to buy a house?

Or… you could just ask us! 😏

No silly questions, no pressure, just straight-up answers to help you figure out where you stand.

And the best bit? It costs you nothing to have a chat.

"We’re not quite ready to talk to a mortgage adviser yet." Sound familiar?But here's the thing... most people have absol...
25/10/2026

"We’re not quite ready to talk to a mortgage adviser yet." Sound familiar?
But here's the thing... most people have absolutely no idea if they're ready or not.

They don't know how much they could borrow. They don't know how much deposit they actually need. And they definitely don't know what the next step looks like.

So they sit on the fence for months... sometimes years.

Then they finally reach out and discover they could have bought a home ages ago. 😳

A quick chat can give you the clarity you've been looking for. No pressure. No judgement. No obligation.

Best case? You're ready now.

Worst case? We put together a game plan, make a few tweaks, and get you moving in the right direction.

Either way, you'll stop guessing and start knowing.

And that chat? It will take about 10 minutes and is totally free.

CH-CH-CH-CHANGES...Actually, let's not.If you're in the middle of buying a home, the goal is to stay as exciting as a pl...
21/10/2026

CH-CH-CH-CHANGES...

Actually, let's not.

If you're in the middle of buying a home, the goal is to stay as exciting as a plain piece of toast for a little while.

No new jobs. No new debt. No new finance. No big financial surprises.

The bank has already met you and likes what it sees. Don't turn up halfway through the process with a new car, a new job, and a Buy Now Pay Later account you've forgotten to mention.

For now... keep it same same.

We'll do the exciting stuff after settlement. 🏡✨

"I can't come see a mortgage adviser yet... my bank statements are embarrassing."Friend.We've seen worse.Much worse. 😂Th...
18/10/2026

"I can't come see a mortgage adviser yet... my bank statements are embarrassing."

Friend.

We've seen worse.

Much worse. 😂

The coffee addiction. The Uber Eats addiction. The Kmart addiction. The "just browsing" at Farmers that somehow cost $237.

We don't judge. The banks don't care nearly as much as people think either.

What we do care about is helping you understand whether buying a home is actually possible.

And here's the funny thing...

Most people who think they're years away are actually much closer than they realise.

So instead of waiting until you're "perfect", come and have a chat now.

Best case? You're ready.

Worst case? We give you a game plan, tell you what needs changing for the next few months, and catch up again later.

Cost? Exactly $0.

Yep. Nix. Nada. Zilch.

Can we all agree to stop making mortgage brokers your Plan B?We're not offended.But it does make life harder.If you've g...
15/10/2026

Can we all agree to stop making mortgage brokers your Plan B?

We're not offended.

But it does make life harder.

If you've gone straight to your bank, had a crack, and they've come back with a "sorry, not today", then popped into our office...

We'll absolutely see what we can do.

But honestly?

It's much easier if we're your first phone call, not your emergency contact.

All banks lend money but that's where the similarities end.

Some love self-employed clients. Some love first home buyers. Some are okay with a bit of debt. Some get twitchy over things others don't care about at all.

That's our job to know and because we work across multiple banks, we've usually got more than one option up our sleeve.

Also, fun fact:

You don't pay us.

The banks do, which means we're highly motivated to help you get the loan you want.

We like helping people and we like getting paid and both are strong motivators..

So before you spend weeks talking to one bank, come talk to us first.

We'll do the running around, the strategy, the lender matching and the paperwork while you focus on which couch is going in the new lounge. 🏡🍷

07/10/2026
Eat, drink & be Stella ✨🥂A Stellar birthday called for a little less mortgage talk and a little more celebrating! 😂Leoni...
05/10/2026

Eat, drink & be Stella ✨🥂

A Stellar birthday called for a little less mortgage talk and a little more celebrating! 😂

Leonie & Rachael squeezed in some work, some laughs, and a very important birthday celebration for one of the Stellar family.

Because apparently we can do mortgages AND birthdays. Multitasking at its finest. 🎂😂

If you're a first home buyer sitting on the fence right now, you might be waiting for a "better time" that's already hap...
30/09/2026

If you're a first home buyer sitting on the fence right now, you might be waiting for a "better time" that's already happening.

First home buyers just hit a record 29% market share in July. That's not an accident - nearly 1 in 3 property sales right now are first home buyers.

Here's why: prices have eased, listings are sitting on the market longer, buyers actually have some leverage for once (instead of sellers), and low-deposit lending is still accessible. Vendors aren't desperate, but they're also not holding all the cards the way they were a couple of years ago.

Everyone's watching the election and waiting to "see what happens." Fair enough - but windows like this one, where buyers have some actual power in the market, don't tend to stick around forever once things shift again.

We're not saying rush in blindly. We're saying: if you've been waiting for the "right time," you might already be in it. 🏡

Want to know if now's the right time for YOUR situation? That's literally our job. Flick us a message.

Been turned down for a loan somewhere else? Self-employed and tired of being treated like a red flag? 🚩 Some lenders lov...
25/09/2026

Been turned down for a loan somewhere else? Self-employed and tired of being treated like a red flag? 🚩 Some lenders love a payslip and not much else - but that doesn't mean you're out of options. We know which lenders actually understand self-employed income, irregular pay, or a slightly messy financial history. If you've been told no before, it might just be time to ask someone else. Chat to us.

Address

202 Broadway Avenue
Palmerston North
4410

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