NZHL Metro

16/08/2026

Procrastination has cost more Kiwis a home than high interest rates ever will.

Like many aspiring buyers, you've probably:
✅ Followed every property page on social media
✅ Read every headline about interest rates
✅ Waited years for the "perfect time"
And you still haven't bought.

You can probably tell me:
What the OCR is doing.
What interest rates might do next.
Whether house prices could fall.

But can you tell me:
Your actual borrowing capacity?
How much equity you could build over the next 5-10 years?
Your realistic homeownership timeline?
What actions would get you into a home sooner?

That's not a property problem. That's a planning problem.

While you're waiting for certainty, millions of dollars of equity are being built across New Zealand every day by people who simply got started.

Act now, pick up the phone, give me a call 027 497 0479

10/08/2026

Now is the time to buy

A winter chill settled over New Zealand’s housing market in the July quarter as average home values fell by 1.5%, according to the QV House Price Index.

10/08/2026

Your mortgage isn't expensive because interest rates are high.

It's expensive because most people were never shown how to make their money work properly.

Every week I meet people who are earning good money, working hard, and still wondering why their mortgage balance barely seems to move.

They've got a mortgage. They've got savings. Yet somehow they're still on track to spend hundreds of thousands of dollars in interest over the life of their loan.

Why? Because nobody sat down and showed them a better way.

A good financial adviser doesn't just organise a mortgage.
They help you:
✅ Understand where your money is actually going
✅ Create a plan that fits your lifestyle
✅ Structure your lending strategically
✅ Improve cashflow without feeling restricted
✅ Pay off your mortgage years sooner

And before you say, "That sounds like I'll have to give up everything I enjoy..."

No.

You can still:
- Go on holiday
- Upgrade the car
- Do the renovations
- Catch up with mates
- Buy the coffee

The goal isn't to stop living.
The goal is to stop wasting money.

No gimmicks. No hidden fees.

Just a tailored financial plan that gives you control and helps every dollar work harder.

Have a mortgage and a life.

Em: [email protected]
mb: 027 497 0479

To support our client's to make informed decision, that help them to achieve their dreams and goals.

27/07/2026

The Best Time to Buy Property? Right Now.

So many people are sitting on the sidelines waiting for the "perfect" time to buy a home.

The reality is, there will always be reasons to wait. Interest rates move, house prices change, and market conditions come and go. But while you're waiting, someone else is taking action and moving closer to their goals.

Buying a property isn't about perfectly timing the market — it's about having a plan and understanding what's possible for you.

Whether you're ready to buy today, six months from now, or even next year, taking action now means you'll know:
✅ How much you can borrow
✅ What deposit you'll need
✅ What steps will get you into a home sooner

The people who achieve home ownership aren't always the ones with the biggest deposits or highest incomes. They're the ones who start the process.

If owning a home is on your radar, let's have a conversation. You might be closer than you think.

📩 Send me a message and let's explore your options.

Craig Jonas
mb: 027 497 0479

🏠

15/07/2026

The Reserve Bank has increased the Official Cash Rate (OCR) from 2.25% to 2.50%.

So... should you panic? Nope.

Here's what it does mean:

The OCR influences the interest rates banks pay to borrow money. Over time, that can flow through mortgage rates, savings rates and borrowing costs.

Why the increase?

While inflation has eased from the highs we've seen, the Reserve Bank is still focused on keeping it under control and returning it to around 2%. Raising the OCR helps slow spending just enough to keep prices rising too quickly.

What does this mean if you've got a mortgage?

It depends.

Every home loan is different. Your fixed rate, when it's due to expire, your loan structure and your long-term goals all play an important part.

That's why reacting to headlines isn't always the best move.

At NZHL, we don't just watch the OCR, we look at the bigger picture. We help you understand what today's announcement means for your mortgage and whether there's an opportunity to put yourself in a stronger/better position.

Because the best financial decisions aren't made from headlines.

They're made with a plan.

Thinking ahead to your next fixed rate expiry? Let's have a chat. https://nzhl.co.nz/find-us/metro/

13/07/2026

A low rate is nice.

But a smart structure, regular coaching, and a plan to help you become mortgage-free sooner? That’s the real long-term relationship.

Stop swiping on rates and start building a better plan that is personalised to you: www.nzhl.co.nz

10/07/2026

Today, as the Matariki stars rise, we take a moment to reflect on the past, celebrate the present, and look ahead with hope for the future.

From all of us at NZHL, we wish you and your whānau meaningful Matariki🌟

06/07/2026

The current expectation? A hold from the Reserve Bank this Wednesday.

But here's the thing... waiting for the next OCR announcement won't necessarily save you money.

Whether the rates move or stay put, having the right structure could make the biggest difference to your financial future.

Have a chat with your local NZHL mortgage mentor and get a personalised strategy that's built for you: www.nzhl.co.nz

03/07/2026

https://www.linkedin.com/posts/mark-hayward-715727b_refixing-soon-the-mistake-in-always-chasing-share-7478599651127083008-SZMH/?utm_source=share&utm_medium=member_android&rcm=ACoAAAIQmUEBeJi2bop4lcGd6oXk5t9IJyw5NcA

I have provided some commentary for this article in the Hearld today.

https://lnkd.in/eC-gWH3W The OCR announcement is due again next week and everyone is alway interested in how it will impact them. I provided some commentary for this article. It is not just about rate chasing. Refixing your home loan is part of your long term plan to get you loans repaid quickly, an...