Toby Ferreira Mortgages

07/09/2026

Yep, you read that right.

We help you navigate the banks, sort through your options, answer your questions, and support you through the whole process... with no cost to you. 😎
We're usually paid by the lender once your loan settles, so you get all the help without a cost.

And before you ask, "What's the catch?" 🤔
There isn't one. If there was ever a fee involved, we'd tell you upfront. In fact, of all the clients we've helped so far, we've never charged anyone!

Sometimes the best things in life really are free. 😉

🏡 Got questions about buying, refinancing, or what you might be able to borrow? Let's chat.

31/08/2026

Many people think they need to give up things like coffees, takeaways, and subscriptions before applying for a mortgage.

The reality? As long as your bills and commitments are met, banks understand that how you spend your remaining money is your choice.

☕ Coffee runs
🍔 Takeaways
🏃 Gym memberships
🎬 Streaming subscriptions
✈️ Holidays

Don't rule yourself out because of a few lifestyle expenses. A quick chat could give you a much clearer picture of your options.

📩 Get in touch to find out where you stand.

24/08/2026

Depending on your circumstances, there may be lending options available that could help you buy your first home sooner than expected.

The important thing is understanding what's possible for you, rather than ruling yourself out before exploring your options.

☕🏠 If you're wondering where you stand, let's have a chat. We genuinely love helping people understand their options, and a quick conversation could give you a much clearer picture of your path to owning your own home!

📩 Send us a message or contact us for a chat. We'd love to help. 💙

31/07/2026

🏡 Ready to take the first step towards buying your First Home?

Come along to the First Home Buyers Seminar at Property Brokers Palmerston North on 19th August.

We're excited to have been invited to share our mortgage knowledge and insights alongside:

🏠 Katherine Higgan Property Brokers
⚖️ Necia Parker, Richard Lewis Law

Whether you're saving for a deposit, browsing open homes, or ready to talk home loans, this is a great chance to ask questions, learn from local experts, and gain confidence in your next steps.

✅ Practical tips
✅ Expert advice
✅ Answers to your questions

📞 RSVP: 027 240 4501 (Katherine Higgan)
📧 [email protected]

👇 Tag someone who's working towards their first home!

16/07/2026

How cool is this Google Review?! 🤩

Thanks so much to our amazing client for your kind words and creativity, we may need to add you to Toby Ferreira Mortgages creative marketing payroll after this one! 😆

07/07/2026

🎉 Woop Woop! What a cool moment to celebrate! 🎉

There’s nothing quite like seeing that SOLD sign go up for our amazing clients.

We first met with Jordon and Ashleigh back in March and put together a plan to make sure they were in the strongest possible position when the right property came along. They absolutely nailed that plan, and now the hard work has paid off!

We couldn't be more excited or proud to see this SOLD sign and what it represents for their family's future.

A huge congratulations to Jordon and Ashleigh – we are absolutely stoked for you and your family! 🏡✨

17/06/2026

💛 Behind every home loan is a family, a dream, and a big decision 🏡

The late-night thoughts, the big decisions, the “what ifs” — we’re here to guide you through it all.

It’s about securing a place where memories are made, milestones are celebrated, and life unfolds 🏡

Because we know it’s not just a house — it’s where life happens ✨

If you’re starting to think about your next move, let’s talk it through.

03/06/2026

✨ Last month we hit 100 five-star Google reviews! ⭐️⭐️⭐️⭐️⭐️ ✨

After just 12 months in business, we’re incredibly proud to reach this number so quickly 💛

What means even more to us is the amazing feedback behind those reviews — it truly reflects our values and the standard that we work extremely hard to deliver for every client.

To each and every one of you who has taken the time to share your experience… thank you 🙏

Your support, trust, and kind words mean the world to us.

27/05/2026

OCR On Hold at 2.25% – What Does It Mean for You? 🤔

The Reserve Bank has kept the OCR steady at 2.25% – welcome news for homeowners and buyers.

Despite recent inflation pressures (largely driven by fuel costs), there’s been no sudden rate hike, which helps keep things stable in the short term.
That said, there’s still plenty of uncertainty ahead, with global events and incoming data likely to shape what happens next.

Will there be a better time to buy or refinance?

Contact us for a chat. No pressure. Just friendly, expert advice 🙂

15/05/2026