Brodie Sadgrove: Financial/Mortgage Advisor - Mortgage Time

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 le

nders 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

Splitting a mortgage can be a smart way to manage repayments, interest rate changes, and different goals across your loa...
09/09/2026

Splitting a mortgage can be a smart way to manage repayments, interest rate changes, and different goals across your loans—but in New Zealand it needs to be done with lender requirements in mind. In our latest guide, we walk through how splitting works, when it makes sense, and what details can affect approval and structure. If you’re refinancing or setting up lending for a new purchase, this helps you think clearly and avoid costly assumptions. Korero / Chat with Brodie :

https://mortgagetime.co.nz

Mortgage interest rates can feel mysterious, but your repayments are really shaped by a handful of key moving parts—like...
07/09/2026

Mortgage interest rates can feel mysterious, but your repayments are really shaped by a handful of key moving parts—like lender pricing, inflation expectations, and the type of loan you choose. In the latest Mortgage Time guide, we break down what actually drives rate changes so you can understand your numbers with confidence, not confusion. If you’re buying, refinancing, or restructuring, having the right structure can make a real difference to what you pay each month.



https://mortgagetime.co.nz/mortgage-interest-rates

Loan-to-Value (LVR) ratios can sound technical, but they’re one of the biggest things lenders look at when deciding how ...
06/09/2026

Loan-to-Value (LVR) ratios can sound technical, but they’re one of the biggest things lenders look at when deciding how much you can borrow and what terms you might get. In our latest guide, we break down what LVR means in plain English, how it affects your borrowing options, and what you can do to improve the position you’re putting to the bank. If you’ve ever felt unsure about lender requirements or loan structure, this is the clear, client-first walkthrough you’ve been looking for.



https://mortgagetime.co.nz/loan-to-value-ratios

Buying a home with your parents can be a brilliant move—until nobody agrees on the fine print. Before you sign anything,...
06/09/2026

Buying a home with your parents can be a brilliant move—until nobody agrees on the fine print. Before you sign anything, make sure you’re aligned on how the arrangement works, what each person’s role is, and how it impacts borrowing and lender requirements. That’s the kind of clarity that can protect family relationships and give you a mortgage structure that actually fits. Our latest guide walks you through the key conversations to have first, so you feel confident moving forward.

https://mortgagetime.co.nz/buying-property-with-parents

Thinking about buying property from overseas in New Zealand? It’s exciting, but lender requirements, proof of funds, and...
04/09/2026

Thinking about buying property from overseas in New Zealand? It’s exciting, but lender requirements, proof of funds, and how income and deposits are assessed can get complicated fast. In this guide, we break down what lenders typically want and how to structure your loan so you feel confident from day one. If you want clear, independent advice that puts your goals first, this is the article for you.



https://mortgagetime.co.nz/buying-property-from-overseas-new-zealand

Thinking about buying an investment property in New Zealand? The Property Investor Mortgage Guide breaks down what lende...
04/09/2026

Thinking about buying an investment property in New Zealand? The Property Investor Mortgage Guide breaks down what lenders typically look for, how to think about borrowing capacity, and which mortgage structures can work best for your situation. We keep it plain-English and focused on what helps you make confident decisions—because when it’s high-stakes, you deserve advice that genuinely works for you. Start with clarity on the process and avoid the guesswork that can cost time and opportunity.



https://mortgagetime.co.nz/property-investor-mortgage-guide-nz

Thinking about buying a home but wondering whether renting is the smarter move? It’s not just a numbers game—there are l...
02/09/2026

Thinking about buying a home but wondering whether renting is the smarter move? It’s not just a numbers game—there are loan structures, lender requirements, and your long-term plan to consider. In our latest guide, we break down the real pros and cons of “rent vs buy” in plain English so you can feel confident about what suits you best. We work for you, helping simplify a high-stakes decision and steer you toward the right mortgage path.



https://mortgagetime.co.nz/rent-vs-buy-a-house

Buying a home in New Zealand can feel like a lot to juggle, especially when it comes to cash contributions and what lend...
31/08/2026

Buying a home in New Zealand can feel like a lot to juggle, especially when it comes to cash contributions and what lenders want to see. This guide breaks down how a mortgage cash contribution works in plain English, so you can understand the impact on deposits, borrowing power, and loan structure without the stress. We’ll walk you through the practical details to help you approach your application with confidence—because you deserve advice that’s clear, independent, and designed around your goals.



https://mortgagetime.co.nz/guide-to-mortgage-cash-contribution-nz

OCR day is coming up on Wednesday, 2 September. While we're hoping rates stay put, recent movements in swap rates sugges...
31/08/2026

OCR day is coming up on Wednesday, 2 September. While we're hoping rates stay put, recent movements in swap rates suggest the market may be anticipating otherwise (unless the banks have already factored in the increase - lets hope they have already).

Read more in the latest Mortgage Time Weekly: https://news.mortgagetime.co.nz/ -it-means

2-year swap rate highlights:
• Up 0.3% over the past 2 months - suggesting a retail rate increase if not already factored into current retail rates,

• 1.4% lower than it was 2 years ago - suggesting retail rates are better than 2 years ago





Getting a home loan when your income comes from a business can feel stressful—mostly because lenders want proof, not jus...
30/08/2026

Getting a home loan when your income comes from a business can feel stressful—mostly because lenders want proof, not just promises. This guide walks you through exactly how to document business income in a clear, lender-friendly way so you can support your application with confidence. If you’re self-employed or your income is tied to trading, BAS, invoices, or cash flow, you’ll find practical steps to make your paperwork add up. Having your income documented properly can be the difference between a smooth approval and weeks of delays. Korero / Chat with Brodie :

https://mortgagetime.co.nz/document-business-income-home-loan

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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