Mike Pero Mortgages - Palmerston North

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Mike Pero Mortgages - Palmerston North

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Proud to help families across the Manawatū-Whanganui region and beyond, Russell, Logan and Ashleigh strive to make home loans simple and personal.

Local people, honest advice, and genuine support every step of the way. Let's make your dreams a reality! Russell Harrop
I am passionate about providing not only quality service, but also tailoring the right package to suit a client’s individual needs and goals. My main goal is to help you, the client, to realise your dreams and aspirations in a way that is as stress-free as possible. I pride myself on honesty, professionalism and a high level of integrity when meeting with clients, banks and intermediaries. I strive to build a strong relationship with clients, gaining a complete understanding of what drives them and maintaining a “client first” philosophy
Call me on 021 336 395
[email protected]

27/10/2026

Whether you're buying your first home, thinking about selling and moving on to the next, or just wondering if your current mortgage is still working for you, we're here to help!

We know that everyone's situation is a little different, and sometimes it's hard to know where to start or what options are available.

That's where having someone to talk things through with can make all the difference.

Our team is here to answer your questions, help you understand your options, and work out what might suit your situation.

Whatever your next step looks like, we'd love to hear from you. Get in touch and let's have a chat!

Get in touch with the team here: https://bit.ly/4o4TG8Q

20/10/2026

Spring cleaning isn't just for your home – it's a good excuse to give your finances a little attention too!

When was the last time you had a proper look at your home loan or insurance?

Life changes, and what worked for you a year or two ago might not be quite the right fit anymore.

Maybe your fixed rate is coming up for renewal, you've made some changes around the house, or you're simply wondering whether there's something you could be doing differently.

It's always worth checking in every now and then to make sure everything still suits your needs.

Not sure where to start? That's what we're here for!
https://bit.ly/4o4TG8Q

29/09/2026

Saving for your first home? Don't forget about the other costs that come with buying one!

Your deposit might be the biggest number you're working towards, but it's not necessarily the only one worth planning for.

Depending on the property and your situation, you may also need to budget for things like legal fees, a LIM report, building inspection, registered valuation, insurance and moving costs.

Thinking about these costs early can help you build a more realistic savings goal and avoid a few unwelcome surprises later.

Get in touch with our team here: https://bit.ly/4o4TG8Q

22/09/2026

Already own a home, but starting to think about the next one? Buying your next home can come with a whole new set of questions.

Do you need to sell first? How much equity do you have available? What happens to your existing mortgage? And how do you work out what you can comfortably afford for the next property?

There's no one answer that works for everyone – that's where having someone on your side can really help.

Get in touch with our team here: https://bit.ly/4o4TG8Q

15/09/2026

Not ready to buy yet? You might actually be at the perfect stage to talk to us.

You don't need a property picked out, a perfect deposit, or everything figured out before getting in touch with a mortgage adviser.

Maybe you're still saving, working on paying down some debt, or simply wondering whether homeownership could be realistic for you in the next year or two.

Having a conversation early can help you understand where you stand now, what you might be able to work towards, and what your next steps could look like.

Sometimes the best place to start really is with a simple “What if…?”

We're here to help you figure out the rest: https://bit.ly/4o4TG8Q

08/09/2026

When was the last time you gave your home loan a proper check-up?

A lot can change over the life of a mortgage – interest rates move, incomes change, savings grow, families change, and what worked for you a few years ago might not be the best fit today.

Reviewing your lending isn't necessarily about changing banks. Sometimes it's looking at how your loan is structured, what options are available, and whether there's anything you could be doing differently.

A quick conversation could uncover ways to save money, pay your loan off sooner, or make your lending work a little better for your life.

Get in touch with our team here: https://bit.ly/4o4TG8Q

03/09/2026

A huge congratulations to Russell, who was awarded the Red@Heart Award at last week's Mike Pero conference in Noosa!

Anyone who knows Russell knows how much he puts into what he does.

He genuinely cares about his clients, is always there to support our team, and is incredibly generous with his time and knowledge.

Well done, Russell! Now go and enjoy a well-earned few weeks in the UK – we'll hold down the fort while you're gone!

02/09/2026

The Reserve Bank of New Zealand has increased the Official Cash Rate (OCR) by 0.25% today

Reach out today to learn how this impacts you: https://bit.ly/4o4TG8Q

01/09/2026

Spring is here, and for many buyers, that means house-hunting season!

With more people starting to think about their next move, it’s a great time to get your finances organised before you fall in love with a property.

Knowing what you can afford, understanding your deposit, and having your finance ready can put you in a much better position when the right home comes along.

You don’t need to have found the one before talking to us either. We can help you get prepared now, so when the right property pops up, you know what your next step is.

Get in touch with our team today: https://bit.ly/4o4TG8Q

25/08/2026

One of the checks you’ll often hear about when buying a home is a building inspection.

When completed by a qualified building inspector, it can give you more information about the condition of the property and can identify issues that might not be obvious when you first walk through the door.

There can be a lot to think about when you’re making an offer – finance, building reports, LIMs, insurance, valuations and the legal bits too.

We can help you understand the home-buying process, what to expect along the way, and what professionals you may need to speak to.

Get in touch with our team today: https://bit.ly/4o4TG8Q

Address

45 Walding Street
Palmerston North
4410

Telephone

+6463553002

Website

https://www.mikepero.co.nz/mortgage-broker/manawatu-palmerston-north/team-palmerston-north

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