Brodie Sadgrove: Financial/Mortgage Advisor - Mortgage Time

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Brodie Sadgrove: Financial/Mortgage Advisor - Mortgage Time I am a Registered Financial Adviser and a Chartered Accountant accumulatng over 20 years experience. I am here to help you with all your mortgage / loan needs.

Helping all those that are looking for mortgage advice, buying a first or 2nd home, refinancing, refixing, restructuring or renovating. Whether its buying your first home, refinancing your mortgage to save you money, or just wanting to debt consolidate high interest charging debt onto your mortgage, I can help you. With over 20 years in the Corporate Finance industry, I know how to apply to the lenders for a mortgage that best suits your needs. No mortgage is too small or too large. I can also help with mortgage reduction strategies that can save thousands of dollars and years of paying your current mortgage. I have access to over 15 lenders (main banks and specialist lenders), and am totally independent and unbiased when it comes to choosing the lender that is best for you. I will sit down and go through your needs, then go away and pick the lender(s) that best suit what you are looking for and what suits your circumstances. Having the 20 plus years of corporate finance experience helps in communicating with the lenders, getting across to them what you as a customer is looking to achieve, and how you can achieve your goals. I live in Aotea, Porirua, am a father of three and enjoy rugby, tennis and spending time with my children. Call now for a free no obligation discussion on 0272-446-444

Choosing a lender is about more than finding a competitive rate—it’s about finding the right fit for your goals. Our gui...
03/11/2026

Choosing a lender is about more than finding a competitive rate—it’s about finding the right fit for your goals. Our guide to Westpac NZ explores its home loan products, lending options and potential benefits, so you can better understand what may work for your situation. With independent advice from Mortgage Time, you have someone in your corner to compare the options and structure your lending with confidence.

https://mortgagetime.co.nz

Choosing a lender is about more than comparing interest rates. Our guide to Westpac looks at its home loan products, len...
03/11/2026

Choosing a lender is about more than comparing interest rates. Our guide to Westpac looks at its home loan products, lending approach and potential benefits, so you can see whether it suits your goals and financial situation. With independent advice from Mortgage Time, you can compare your options with confidence and choose a structure that works for you.

https://mortgagetime.co.nz/westpac-as-a-lender-products-and-benefits

Self-employed in New Zealand and wondering whether you can refinance your mortgage? Lenders may assess business income d...
02/11/2026

Self-employed in New Zealand and wondering whether you can refinance your mortgage? Lenders may assess business income differently, but the right documentation and loan structure can make a real difference. Our guide explains what lenders look for and how Mortgage Time can advocate for a solution that fits your position.

https://mortgagetime.co.nz/can-self-employed-borrowers-refinance-nz

🏡 𝗧𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗧𝗶𝗺𝗲 𝗪𝗲𝗲𝗸𝗹𝘆 𝗶𝘀 𝗻𝗼𝘄 𝗹𝗶𝘃𝗲.𝗧𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:• 𝗧𝗵𝗲 𝗢𝗖𝗥 was held at 𝟮.𝟳𝟱% in a close 4–3 vote• 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗰𝗼𝗺𝗺𝗶𝘁...
01/11/2026

🏡 𝗧𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗧𝗶𝗺𝗲 𝗪𝗲𝗲𝗸𝗹𝘆 𝗶𝘀 𝗻𝗼𝘄 𝗹𝗶𝘃𝗲.

𝗧𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:

• 𝗧𝗵𝗲 𝗢𝗖𝗥 was held at 𝟮.𝟳𝟱% in a close 4–3 vote
• 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗰𝗼𝗺𝗺𝗶𝘁𝗺𝗲𝗻𝘁𝘀 rose to $7.533 billion
• 𝗧𝗵𝗲 𝘁𝘄𝗼-𝘆𝗲𝗮𝗿 𝘄𝗵𝗼𝗹𝗲𝘀𝗮𝗹𝗲 𝘀𝘄𝗮𝗽 𝗿𝗮𝘁𝗲 eased to 3.96%
• 𝗪𝗲𝘀𝘁𝗽𝗮𝗰 announced a change to its 18-month advertised special rate
• 𝗙𝗶𝗿𝘀𝘁-𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗲𝗿𝘀 reached a record 29.5% share of property purchases

𝗪𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 𝘁𝗵𝗲𝘀𝗲 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁𝘀 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗿 𝗯𝘂𝘆𝗶𝗻𝗴 𝗽𝗹𝗮𝗻𝘀?

👉 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝘂𝗽𝗱𝗮𝘁𝗲:
https://news.mortgagetime.co.nz

General information only. Rates, lending criteria and individual circumstances vary.

Considering BNZ for your next home loan? From fixed and floating rates to lending options for first-home buyers, refinan...
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Considering BNZ for your next home loan? From fixed and floating rates to lending options for first-home buyers, refinancers, investors and self-employed borrowers, BNZ offers a range of products worth understanding. We can help you compare the benefits, assess the lending criteria and structure your mortgage around your goals—not just the bank’s preferences. Knowing your options puts you in a stronger position when making a major financial decision.

https://mortgagetime.co.nz/bnz-as-a-lender-products-and-benefits

Your fixed home loan rate is coming to an end — what happens next? Our Refixing Home Loan Guide explains how to compare ...
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Your fixed home loan rate is coming to an end — what happens next? Our Refixing Home Loan Guide explains how to compare your options, prepare for lender requirements and choose a structure that supports your goals. With the right advice, you can avoid rushed decisions and have someone in your corner working for you.

https://mortgagetime.co.nz/refixing-home-loan-guide

Considering ASB for your next home loan, refinance or investment property? Our latest article explains ASB’s lending pro...
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Considering ASB for your next home loan, refinance or investment property? Our latest article explains ASB’s lending products, key benefits and what borrowers should know before making a decision. We’ll help you compare your options, understand the requirements and structure lending around your goals—not just fit you into one bank’s box.

https://mortgagetime.co.nz/asb-as-a-lender-products-and-benefits

Buying a home in New Zealand can feel out of reach when your deposit or borrowing position doesn’t quite meet lender req...
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Buying a home in New Zealand can feel out of reach when your deposit or borrowing position doesn’t quite meet lender requirements. A guarantor loan may help, but it’s important to understand how the structure works, what your guarantor is committing to, and how it could affect everyone’s finances. Mortgage Time can explain your options in plain English and work with you to find a lending approach that supports your goals.

https://mortgagetime.co.nz/how-guarantor-loans-work

🏡 𝗔 𝟬.𝟮𝟱% 𝗢𝗖𝗥 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲 𝗶𝘀 𝗮 “𝗛𝗜𝗞𝗘”... 𝗯𝘂𝘁 𝗮 𝟬.𝟮𝟱% 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗶𝗻 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗶𝘀 𝗷𝘂𝘀𝘁 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗱𝗮𝘆? 🤔Whenever the Reserv...
28/10/2026

🏡 𝗔 𝟬.𝟮𝟱% 𝗢𝗖𝗥 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲 𝗶𝘀 𝗮 “𝗛𝗜𝗞𝗘”... 𝗯𝘂𝘁 𝗮 𝟬.𝟮𝟱% 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗶𝗻 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗶𝘀 𝗷𝘂𝘀𝘁 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗱𝗮𝘆? 🤔

Whenever the Reserve Bank increases the OCR by 0.25%, the headlines seem to scream “RATE HIKE!”

But isn't 0.25% generally the smallest standard increment when the OCR changes?

Meanwhile, the difference between a 12-month and 24-month fixed mortgage rate might also be 0.25%.

Same percentage difference. Very different language.

Of course, 0.25% matters. On $500,000 of lending, that's approximately $1,250 in annual interest at an unchanged balance.

𝗔𝗻𝗱 𝘆𝗲𝘀𝘁𝗲𝗿𝗱𝗮𝘆, 𝘁𝗵𝗲 𝗥𝗲𝘀𝗲𝗿𝘃𝗲 𝗕𝗮𝗻𝗸 𝗹𝗲𝗳𝘁 𝘁𝗵𝗲 𝗢𝗖𝗥 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 𝗮𝘁 𝟮.𝟳𝟱%.

It's also worth remembering that the OCR isn't your mortgage rate. Fixed rates are influenced by wholesale markets and expectations of future interest rates.

𝗠𝘆 𝗽𝗼𝗶𝗻𝘁? 𝗖𝗼𝗻𝘁𝗲𝘅𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀.

A “hike” sounds dramatic. A “25-basis-point adjustment” sounds measured.

Both can describe exactly the same movement.

𝗪𝗵𝗮𝘁 𝗱𝗼 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸? Is “hike” fair terminology, or does it create unnecessary concern?

Brodie Sadgrove | Mortgage Time
Mortgages Made Simple, Dreams Made Reality.

Choosing the right lender can make a real difference to your home loan journey. ANZ offers a range of home loan options ...
28/10/2026

Choosing the right lender can make a real difference to your home loan journey. ANZ offers a range of home loan options and features, and Mortgage Time can help you understand how they may fit your goals, income and borrowing needs. We’ll compare the options, explain the fine print and work with you to structure lending that supports your next move.

https://mortgagetime.co.nz/anz-as-a-lender-products-and-benefits

Address

20 Parumoana Street
Porirua
5024

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

Telephone

+64272446444

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