Your Mortgage Team - Queenstown

25/08/2026

What exactly is a pre-approval? 🏡

Dougal breaks down what a pre-approval is, why it matters, and how it can help you know what you can realistically spend when house hunting. 💡

Thinking about buying? Let’s get you ready.

🟢 E-mail us today at [email protected] to get started.

16/08/2026

We are excited to announce that Hayden Joblin, financial adviser at Your Mortgage Team, has been named the Top Adviser Winner at the NZA Top Adviser 2026 awards. The recognition in the Top Adviser category acknowledges his expertise in lending and finance, as well as his commitment to helping clients achieve their property and financial goals through informed, tailored advice.

Hayden joined YMT in 2024, bringing a diverse financial services background that includes eight years of business banking experience, international banking exposure and a Residential Lending Qualification. His broad experience across different areas of banking has enabled him to develop a strong understanding of lending structures, financial analysis and client relationship management.

Prior to entering the mortgage advisory profession, Hayden completed a degree in Economics and Finance while attending university in the United States on a tennis scholarship. The combination of academic training and practical banking experience has provided him with a solid foundation for advising clients on a wide range of lending needs and financial circumstances.

At YMT – Your Mortgage Team, Hayden applies his expertise to support clients through the lending process, helping them navigate complex financial decisions with confidence. His background in business banking allows him to assess borrowing requirements from both a strategic and practical perspective, ensuring clients receive guidance aligned with their goals and financial position.

The NZA Top Adviser 2026 recognition reflects Hayden's dedication to professional excellence and client outcomes. Since joining YMT, he has contributed to the firm's commitment to providing clear, personalized advice and helping borrowers make well-informed decisions in an evolving lending environment.

As the mortgage industry continues to adapt to changing market conditions, Hayden remains focused on delivering high-quality service and building lasting client relationships. His combination of banking experience, financial knowledge and client-focused advice positions him to support borrowers at every stage of their property journey.

16/08/2026

We are excited to announce that William Young, financial adviser at Your Mortgage Team, has been named the Top Adviser Winner at the NZA Top Adviser 2026 awards. The recognition in the Top Adviser category acknowledges his expertise in mortgage and lending advice, as well as his commitment to helping clients achieve their financial and property goals.

William has built a reputation for delivering informed, client-focused advice backed by strong financial and banking expertise. Originally from Southland, he holds a Bachelor of Commerce degree from the University of Otago and brings valuable experience from four years in business banking prior to transitioning into mortgage advising.

Since joining YMT in 2020, William has played a key role in supporting clients across a wide range of lending needs. His background in business banking has provided him with a strong foundation in financial analysis, enabling him to assess both business and retail lending scenarios with confidence and precision. This expertise allows him to help clients navigate lending options and make informed decisions aligned with their long-term objectives.

William is also recognized within his team for his dedication to staying informed about evolving bank policies and lending requirements. By closely monitoring industry developments, he ensures clients receive advice that reflects current market conditions and lender expectations. His commitment to continuous learning and knowledge sharing has contributed to his reputation as a trusted adviser and valued industry professional.

Throughout his career, William has remained focused on helping clients achieve meaningful financial outcomes. His analytical approach, combined with a strong commitment to service, has enabled him to build lasting relationships with clients seeking guidance on their financial journeys.

The NZA Top Adviser 2026 recognition reflects William's professional expertise, dedication to client success and contribution to the mortgage advisory profession. As he continues his career with YMT, he remains committed to delivering tailored advice and supporting clients in achieving their financial aspirations.

16/08/2026

We are excited to announce that Guy Carter, founder and managing director of Your Mortgage Team, has been named the Top Adviser Winner at the NZA Top Adviser 2026 awards. The recognition in the Top Adviser category highlights his expertise in mortgage advising, financial analysis and property investment, as well as his commitment to helping clients achieve their long-term financial and property goals.

Guy has built his career on a combination of professional financial expertise and practical property investment experience. With a background in Chartered Accounting, he developed extensive skills in financial analysis, strategic planning and business decision-making before establishing himself in the mortgage advisory sector. This foundation continues to shape his approach to helping clients navigate complex lending and investment decisions.

As founder and managing director of Your Mortgage Team, Guy has earned a reputation for delivering tailored advice that reflects each client's individual circumstances and objectives. His experience as an active property investor with a significant personal portfolio provides him with firsthand insight into the opportunities and challenges involved in property ownership and investment. This dual perspective allows him to identify potential risks, anticipate challenges and structure solutions that support client's long-term financial success.

Throughout his career, Guy has focused on providing comprehensive guidance across a broad range of lending scenarios. By combining technical expertise with practical experience, he helps clients make informed decisions while ensuring lending structures align with their broader financial goals.

The recognition from NZA acknowledges Guy's dedication to professional excellence and client outcomes. His ability to translate complex financial concepts into clear, practical advice has helped build strong client relationships and establish trust across the communities and markets he serves.

As the mortgage and property landscape continues to evolve, Guy remains committed to delivering high-quality advice and supporting clients through every stage of their property journey, from first-time buyers to experienced investors.

16/08/2026

So, what actually is a pre-approval? ✅

Think of pre-approval as your starting point when buying a home.

It gives you an indication of how much a lender may be prepared to lend based on your current financial situation, so you can head into your property search with a clearer idea of what’s within reach. 🪴

A pre-approval can help you:
- Know your price range
- Buy with confidence
- Be ready to make an offer
- Avoid falling in love with homes outside your budget.

A pre-approval is an important step towards understanding your borrowing position. Know your numbers first. Find your home second. 🏡

If you’re thinking about buying, our team of experts can help you understand what pre-approval could look like for you.

🟢 E-mail us today at [email protected] to get started.

13/08/2026

30/07/2026

🏡 Your home is one of your biggest investments - but have you thought about how you would keep up with your mortgage if you couldn’t work?

Mortgage Repayment Cover is designed to help cover your mortgage repayments if illness, injury, disability, or, in some cases, redundancy prevents you from earning an income. That means less financial stress and more time to focus on what really matters - your recovery and your family.

Every situation is different, which is why it’s important to understand your options before you need them. 💡

If you’d like to learn whether Mortgage Repayment Cover is right for you, get in touch with the YMT team today.

🟢 E-mail us today at [email protected] to get started.

22/07/2026

18/07/2026

Last days to enter! 🎁

WIN A WINTER PRIZE PACK! 🎁

For these school holidays, Your Mortgage Team, in collaboration with Emma McCashin from Summit, is excited to bring you the chance to win a fantastic prize pack featuring:

⛽ One $150 petrol voucher
🎁 A Summit surprise pack filled with goodies

How to enter:

✔️ Follow our 2 pages: Your Mortgage Team - Nelson Tasman and Emma McCashin - Summit Real Estate.
✔️ Like this post.
✔️ Tag a friend who'd love this prize pack.
✔️ Share this post for an additional entry!

We'll draw the lucky winner on Monday, 20th of July - so get your entries in and spread the word!

Good luck everyone! 🍀

Disclaimers: This promotion is not sponsored, endorsed, administered by, or associated with Facebook. Summit Licensed REAA 2008. Your Mortgage Team is a Financial Advice Provider (FSP597769).