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Loan Market Lisa Meredith

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Loan Market Lisa Meredith

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03/11/2026

Buyers across New Zealand are holding a clear upper hand this spring, according to the latest market data from Cotality.

With more than 28,500 active listings nationwide, house hunters have plenty of room to take their time, weigh their options, and negotiate on price.

At the same time, national property values dipped just 1.3% over the past year, showing that sellers are holding steady rather than dropping prices in a panic.

Navigating a market like this comes down to strategy. Getting your pre-approval sorted and lining up your due diligence early gives you the leverage to make a competitive offer on your terms.

If you want to map out your buying strategy for the months ahead, reach out to get your loan application started.

22/10/2026

Lisa's Finance Update💰
𝙊𝙪𝙩𝙜𝙧𝙤𝙬𝙣 𝙔𝙤𝙪𝙧 𝙃𝙤𝙢𝙚? 𝙎𝙝𝙤𝙪𝙡𝙙 𝙔𝙤𝙪 𝙍𝙚𝙣𝙤𝙫𝙖𝙩𝙚 𝙊𝙧 𝙈𝙤𝙫𝙚?

Love your neighbourhood but need more room? 🏡

Moving isn’t your only option. Renovating could help you create the space you need while staying close to the schools, neighbours and community you love.

This week’s update explores renovation finance options and practical ways to keep your budget on track. The right approach will depend on your project, equity and ability to manage the repayments.

Considering renovating instead of moving? Let’s chat about what could work for you.

Click on the link below to read this week's update and find out more.
https://linktr.ee/lisameredith_mortgageadviser

Please feel free to reach out or share with anyone that may need a hand. ✨

Cheers, Lisa 📲 021 882 813

08/10/2026

Lisa's Finance Update💰
𝙄𝙨 𝙍𝙚𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙣𝙜 𝙔𝙤𝙪𝙧 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙒𝙤𝙧𝙩𝙝 𝙄𝙩?

Is your mortgage still working for the life you’re building? 🏡

A lower interest rate or cashback offer can look appealing, but will switching lenders leave you better off?

In this week’s update, I explore when refinancing could make sense, the costs to consider and why lower repayments don’t always mean a cheaper mortgage overall.

Whether your fixed term is ending, your budget has changed or you’re planning renovations, a review can help you compare your options. That could mean moving lenders or making changes with your current bank.

Click on the link below to read this week's update and find out more.
https://linktr.ee/lisameredith_mortgageadviser
Please feel free to reach out or share with anyone that may need a hand. ✨

Cheers, Lisa 📲 021 882 813

04/10/2026

It's easy to put your mortgage on set-and-forget, especially when life gets busy.

Finding out what yours could actually be doing for you is where things get interesting. We can help you explore refinancing to a new lender to secure better terms, take advantage of cashback incentives, or lower your repayments.

With access to 30+ banks and lenders, you won't be left guessing which option is right for you.

Reach out for a no-obligation chat to make sure you aren't losing interest. 💡 🏠
https://adviser.loanmarket.co.nz/lisa-meredith/products-services/refinancing/

25/09/2026

Lisa's Finance Update💰
𝘾𝙖𝙣 𝙔𝙤𝙪 𝙂𝙚𝙩 𝘼 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙏𝙤 𝘽𝙪𝙮 𝘽𝙖𝙧𝙚 𝙇𝙖𝙣𝙙 𝙄𝙣 𝙉𝙚𝙬 𝙕𝙚𝙖𝙡𝙖𝙣𝙙?

Buying land and building your own home can be an exciting goal, but financing it can look quite different from buying an existing property.

In this week’s update, I cover the different types of land and construction lending, deposit requirements, how progress payments work and the differences between turn-key, fixed price and labour-only contracts.

Click on the link below to read this week's update and find out more.
https://linktr.ee/lisameredith_mortgageadviser
Please feel free to reach out or share with anyone that may need a hand. ✨

Cheers, Lisa 📲 021 882 813

24/09/2026

Your repayment isn't just about the interest rate. Let's break down what also affects your numbers.

⏳ Loan Term
Longer terms lower regular repayments but raise total interest costs over time. Shorter terms do the opposite!

💰 Repayment Type
Principal and interest pays down your loan balance. Interest-only lowers short-term payments without shrinking your debt.

🔒 Fixed vs. Floating Rates
Fixed rates give you predictability, while floating rates allow maximum flexibility for offset structures or lump-sum payments.

💵 Extra Repayments and Offset
Small additional payments or keeping savings in an offset account directly reduce the balance you get charged interest on.

⚖️ Loan to Value Ratio (LVR)
If your deposit is under 20%, lenders usually charge a Low Equity Margin or fee until your equity builds up.

All these factors work together. Let’s chat about what is right for you. DM us if you want to crunch some numbers. 📊

17/09/2026

Going straight to your bank feels like an easy starting point, but it only gives you one piece of the puzzle. A single lender can only offer you their own specific products, rates and criteria.

A mortgage adviser can scope out options across the market including major banks and specialist lenders, to find the right loan to suit your long-term financial goals.

From handling the paperwork to negotiating competitive rates and managing your loan over time, advisers act as a dedicated advocate in your corner.

Ready to see how your options compare? Send a message anytime to chat through your numbers.

11/09/2026

Incredibly thankful for every five-star review! ⭐⭐⭐⭐⭐

If you're looking for a dedicated adviser to help you navigate your path to your personal financial journey, let's talk today.

11/09/2026

Most people start looking at property based on a guess of what they can afford. They take their income, subtract the mortgage their mate has, and adjust for vibes.

A quick borrowing capacity conversation takes about 20 minutes. It costs nothing and could save you valuable time and potential heartbreak. 💔

Call it sense and serviceability.

10/09/2026

Lisa's Finance Update💰
𝙎𝙝𝙤𝙪𝙡𝙙 𝙔𝙤𝙪 𝙁𝙞𝙭 𝙔𝙤𝙪𝙧 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙛𝙤𝙧 𝙖 𝙎𝙝𝙤𝙧𝙩 𝙤𝙧 𝙇𝙤𝙣𝙜 𝙏𝙚𝙧𝙢?

Short-term flexibility or longer-term certainty?

With the recent OCR increase, homeowners coming up to a refix may be looking at their options a little differently.

In this week’s update, I look at the considerations around fixing for a shorter or longer term, when each approach might suit, and how splitting a mortgage across different fixed terms can provide a balance between flexibility and certainty.

There is no perfect fixed term for everyone. The important thing is choosing a structure that works with your budget, future plans and how comfortable you are with repayments potentially changing.

Click on the link below to read this week's update and find out more.
https://linktr.ee/lisameredith_mortgageadviser

Please feel free to reach out or share with anyone that may need a hand. ✨

Cheers, Lisa 📲 021 882 813

Address

3/2 Kingsland Terrace, Kingsland
Ponsonby
1020

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm
Saturday	9am - 1pm

Telephone

+6421882813

Website

https://adviser.loanmarket.co.nz/lisa-meredith

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