Aaron Watkin Mortgage Adviser

Aaron Watkin Mortgage Adviser Mortgage advice made simple.

Products:

First Home Loans
Refinancing Loans
Investment Loans
Next Home Loans
Personal Loans
Commercial and Business Loans
Land and Construction Loans
Self Employed Loans
Insurance
Bridging Loans
Asset Finance

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently. It shift...
27/08/2026

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently.

It shifts with your income, living expenses, existing debts, and interest rates. With rates sitting higher than they were a couple of years ago, your borrowing capacity might look quite different today compared to what you expected.

Getting a clear picture of your actual baseline numbers is simply step one before you start looking at properties or making big financial plans.

Feel free to send a direct message if you ever want to check where your baseline sits in today's market.

Getting a home loan when you're self-employed has a number of hoops to jump through. The good news is that advisers who...
25/08/2026

Getting a home loan when you're self-employed has a number of hoops to jump through.

The good news is that advisers who work regularly with self-employed clients know exactly which lenders understand business income and how to structure an application that actually reflects how your finances work.

It's not impossible. You just need the right person in your corner 🙋
https://adviser.loanmarket.co.nz/aaron-watkin/products-services/self-employed-loans

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However,...
20/08/2026

When the property market slows down, most homeowners naturally focus on what their current home might sell for. However, if you are looking to step up to a larger property, the actual price gap between the two homes is what matters most.

Recent data from Cotality shows that the cost of moving from a three bedroom to a four bedroom house has narrowed in several key areas across New Zealand.

Because higher value homes often adjust more in dollar terms during quieter periods, the gap you need to bridge to get extra space can actually be smaller than it was a few years ago.

If upgrading your home is part of your long term plan, quieter market conditions can sometimes open up opportunities that do not exist in a fast moving market.

Read the full breakdown on our blog.
https://adviser.loanmarket.co.nz/aaron-watkin//blog/the-cost-of-trading-up-falls-in-some-key-markets/

Serviceability is simply the bank testing your home loan against a higher test rate. They aren't just looking at whether...
19/08/2026

Serviceability is simply the bank testing your home loan against a higher test rate. They aren't just looking at whether you can afford the repayments today, they are checking that you will still be comfortably paying it off if interest rates shift down the track.

It can feel like a tough hurdle when you are applying for a home loan, but it is really just designed to protect you and make sure your mortgage remains manageable long-term.

17/08/2026

Juggling multiple debts? The simplicity of debt consolidation might be the right option for you.

One payment. One due date. Less stress.

We can look at your whole financial picture to see if debt consolidation is right for you.

DM to book in a discovery call 💬

Doing the prep work in winter means you are ready to move fast when spring listings hit the market. Sorting your pre-app...
12/08/2026

Doing the prep work in winter means you are ready to move fast when spring listings hit the market. Sorting your pre-approval now puts you in the driver's seat to buy with confidence and be settled into your new home by summer.

Knowing your true borrowing power is the first step. Use our free online calculator to start running the numbers and reach out to get closer to your property goal.

Find out here 👇
https://adviser.loanmarket.co.nz/aaron-watkin/tools-help/borrowing-power-calculator/

Buying your first home does not mean doing it entirely on your own strength. Many first-home buyers do not realise that ...
11/08/2026

Buying your first home does not mean doing it entirely on your own strength. Many first-home buyers do not realise that banks often allow you to factor in income from a future boarder or flatmate when assessing your mortgage application.

Including boarder income can boost your overall borrowing power and bring your target property within reach much faster.

Reach out to find out how flatmate income can help you qualify for your mortgage.

Comparing provider plans might not be exciting, but reviewing your power, insurance, and internet can free up extra mone...
08/08/2026

Comparing provider plans might not be exciting, but reviewing your power, insurance, and internet can free up extra money every month.

Redirecting those small wins into your savings account adds up faster than you think.

Take a few minutes to do this today and you'll thank yourself later. 💰

With over 28,000 properties currently listed for sale across New Zealand, the property market is giving buyers plenty of...
06/08/2026

With over 28,000 properties currently listed for sale across New Zealand, the property market is giving buyers plenty of breathing room.

According to the latest data from Cotality, total stock levels remain high across the country, keeping the negotiating power firmly in the hands of buyers.

Instead of feeling pressured to make quick decisions, you have time on your side. That means extra space to organise thorough building inspections, sort out your finance conditions properly, and negotiate on price with confidence.

When property choices are high, patience and thorough prep work are your best advantages.

Don't just auto-roll your mortgage when your fixed term comes up for renewal. Simply accepting the default rate in your ...
03/08/2026

Don't just auto-roll your mortgage when your fixed term comes up for renewal. Simply accepting the default rate in your banking app means missing a chance to structure your loan to suit your current financial goals.

Get in touch today to make sure your home loan is still working hard for you.
https://adviser.loanmarket.co.nz/aaron-watkin/contact-us

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Raglan
3225

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Tuesday 8:30am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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+64274361717

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