Sam Burnett - The Mortgage Supply Co

10/09/2026

Some clients come to us bracing for a drawn-out, stressful process. AJ was one of them, and instead got a streamlined, fast turnaround from start to finish.

That's the difference the right lender relationships make.
👉 If you're worried finance is going to be slow or painful, let's talk. It doesn't have to be.

27/08/2026

Cath's situation wasn't just about numbers on a page, it was personal. And that's exactly how I treated it.

Some clients need more than a lender who says yes. They need someone who actually listens to what's going on in their life, and keeps them in the loop every step of the way instead of leaving them guessing.

That's the bit I loved most about this feedback. Not just that we got there, but that Cath felt heard and informed the whole way through.

👉 If your situation feels personal or complicated, that's exactly the kind of case I want to hear about. Send me a message and let's talk it through

25/08/2026

Excited to share that I've been named a Top Adviser for 2026, and if I'm honest, the reason behind it is the part that means the most.

The report backing this recognition made a point I fully agree with: technical expertise matters, but what actually separates great advisers is trust, empathy, and the ability to see the bigger picture for each client.

Advisers now handle roughly 60% of all new home loans in New Zealand. More Kiwis are figuring out what having someone in their corner is actually worth, and I'm incredibly grateful to be one of the people they're choosing.

So to every client who's trusted me with your lending, this one's for you. Your support, your referrals, your continued trust... it means more than you know!

18/08/2026

I'm very happy to be in great company on the NZ Top Advisers list for 2026! Well done team MSCO!!

17/08/2026

There are still positive signs in the finance space, and while the property market continues to move at a slower pace, it remains buyer friendly.
Cotality’s latest data shows property values fell 0.3% in July, taking the quarterly decline to 1.0% and the annual decline to 0.7%.
The national median value now sits at $804,303. In Tauranga (the Bay of Plenty’s largest property market) the average value is currently $946,968.
First home buyers remain active, making up 27% of property purchases in Q1 2026. Investors are also starting to return, accounting for around 24% of activity, largely driven by smaller investors purchasing their second property.
For prepared buyers, the current market continues to create opportunities. Higher listing levels and subdued prices can mean more choice and room to negotiate, particularly for those with their finances organised and pre-approval in place.
A few things I’m seeing right now:
👉 Refinancing is back on the table
Some lenders are offering competitive cashback incentives to attract new customers. If you’re coming off a fixed rate or considering a change, it’s worth looking beyond the interest rate. Cashback, fees, loan structure and your longer-term plans all matter.
👉 Renovations are being planned
We’re seeing homeowners getting plans underway, with consent applications being submitted ahead of the summer building season. Getting your finance sorted early can help you understand what you can afford and identify any potential funding gap before committing.
👉 Debt consolidation
We’re having more conversations around consolidating debt. Where appropriate, rolling personal loans into a home loan can simplify finances and potentially reduce monthly repayments.
What’s next?
The next OCR announcement is scheduled for 2 September, with the election also just around the corner. Both will be closely watched as we head into the final part of 2026.
With plenty happening in the market, being prepared will make a difference. If you’re thinking about buying, refinancing, renovating or consolidating debt, now is a good time to check your numbers, understand your borrowing power and make sure your lending is set up for what’s next.

Call Sam Burnett
Your Local Mortgage Adviser
027 404 2907
[email protected]

14/06/2026

If you've been keeping an eye on the news lately, you've probably seen plenty of headlines about interest rates, inflation, the property market, and ongoing economic uncertainty. While it's easy to get caught up in the noise, there are still opportunities for homeowners who take a proactive approach.

The Reserve Bank recently announced that the Official Cash Rate (OCR) will hold at 2.25%. While there was no increase, the announcement carries a strong message about where interest rates could be heading next.

At the same time, the property market appears to be in a more balanced phase. Recent Cotality data shows that the national median property value remained unchanged in May at $808,187. In Tauranga (the Bay of Plenty’s largest property market) the average value is currently $935,685.

So what does this mean for you?

The good news is that there is still time to get ahead of any potential changes.
👉 If your mortgage is due to come off its fixed rate in the next 3 to 6 months, now is an ideal time to review your lending and explore your options.
With a balanced property market, buyers and sellers can make more considered decisions without the pressure of rapid price movements experienced in recent years.
👉 Rather than trying to predict where interest rates or house prices will go next, focus on making sure your mortgage is set up to support your goals.
The key message from us: Don’t panic, but don’t ignore it either.

And this is where a mortgage adviser can help.

Whether you're looking to improve cashflow, create certainty around future repayments, or simply understand what options are available, a mortgage review can often uncover opportunities you may not have considered.

As a local mortgage adviser, I work for you, not the bank. I compare lenders, negotiate on your behalf, and help navigate the process from start to finish. More importantly, I work alongside my clients to create a lending strategy that supports their goals and adapts as life changes.

Call Sam Burnett
Your Local Mortgage Adviser
027 404 2907
[email protected]

25/02/2026

Moving further into 2026, the market continues to feel steady.

The Reserve Bank’s February announcement confirmed that the Official Cash Rate will remain at 2.25%. This means changes to mortgage rates will continue to be influenced by global and wholesale (swap) rates rather than the OCR itself.

Inflation is expected to trend back towards 2% over the next 12 months, which should give some relief to the cost of living. We’re also seeing economic growth, with lower interest rates supporting household and business spending.

In the property space, Cotality’s January Home Value Index shows that the national median property value in New Zealand is $802,617. In Tauranga (the Bay of Plenty’s largest property market) the average value is currently $931,499.

What does this mean for you?
Reviewing your personal circumstances and goals is important when making financial decisions. Many of my clients are currently seeing value in considering 2-3 year fixed rate options.
With wholesale rates trending upwards and the OCR expected to increase over time, it’s worth considering where rates may be when short-term fixes expire. Locking in longer could protect you from higher rates and provide stability.

Economists are still predicting a 10% rise in property sales this year, and a potential 5% rise in the national median values. Activity across the market is increasing, creating opportunities for both buyers and sellers, including first-home buyers.

Right now, I’m helping my clients in three key areas:
👉Refix - Could breaking and refixing put you in a better or more stable position?
👉Refinance - Are you with the right lender? Cashbacks and product differences can make a move worthwhile.
👉Restructure - Is your loan set up to improve your cashflow, reduce interest, and support your goals?

Want me to run your numbers, review your options, or talk through your first or next move? I’m here to help.

Call Sam Burnett
Your Local Mortgage Adviser
027 404 2907
[email protected]

18/08/2025

Pretty stoked to be considered amongst a very good crew of brokers out there 🥳

Today we're celebrating Sam, Jess and Dave! 🙌
All three have just been named NZA's Top Advisers 2025 - recognition that couldn't be more deserved.

We get to see the effort, care, and commitment they put in every day, so it's pretty special to see that acknowledged at a national level! Congratulations team - couldn't be prouder!

Sam Burnett - The Mortgage Supply Co
Jess Barlow - nee Pronk - The Mortgage Supply Co
David Windler - The Mortgage Supply Co
NZ Adviser

28/01/2025

I’m beyond thrilled to share that I’ve been awarded Adviser of the Year, Regional Adviser of the Year, and Insurance Referrer of the Year at the Mortgage Supply Co! 🎉

A huge thank you to Kerry, Dee, Tia and Kelli for being such an amazing team. Your hard work, dedication, and support have been instrumental in achieving these awards. Couldn’t have done it without you!

To all of our clients—thank you for trusting us with your journey. It’s been an absolute pleasure to help you all navigate the world of mortgages this year, and I’m so grateful for the opportunity to make a positive impact in your lives.

Here’s to more success, growth, and helping even more people in the year ahead!