Mortgage Mates

Mortgage Mates Hey! Nice to meet you virtually. We're a small boutique Mortgage Brokerage based in North Canterbury, helping clients NZ wide.

We're a small boutique Mortgage Brokerage, specialising in down to earth advice for hard working NZ'ers. This page is a place of education, inspiration & keeping it real when it comes to planning your financial future.

03/06/2026

If you’ve been grinding away at your savings thinking you need the full 20% before a bank will even talk to you — good news, that’s not the full picture.

There are low-deposit options available right now for eligible first home buyers, and depending on your situation, you could be looking at getting in with as little as 5–10%.

When you start combining what you’ve already got — your KiwiSaver (if you’ve been a member for 3+ years), your personal savings, maybe some family support — your first home can feel a whole lot more achievable than you thought.

Every bank has different rules around low-deposit lending, so navigating it alone can feel pretty overwhelming. That’s where we come in. Our job is to cut through the noise and show you exactly what your borrowing power looks like.

Before you write yourself off as priced out — let’s have a chat and map out a game plan together.

👉 Link in bio to book a free chat with the team.

02/06/2026

The waiting game is REAL — but trust the process, we’re on it! 💪🏡

A bit of a different post for us today. For some reason the algorithm loves a personal soppy story lol so here ya go. In...
27/05/2026

A bit of a different post for us today. For some reason the algorithm loves a personal soppy story lol so here ya go. Internet do you thing please 😅 🙏

What a ride it's been! 2015 was a huge year for us, getting married, starting a business. We had no idea what we were doing but we knew how to work hard - fun fact, Brent held down two jobs in our first year to get Mortgage Mates off the ground. Now we are a team of 6 and growing.

We never really had a goal of being the biggest brokerage, just one of the best. Good at what we do, quietly working away, looking after our team and our clients. We genuinely love the North Canterbury community we've grown this business in, supportive, down to earth, wholesome people.

Sometimes we forget it's been nearly 12 years, we still feel like those two kids in 2015 most days, just with more of a clue now and our own kids in tow lol.

Being business owners and husband and wife has it's testing times but we do love it regardless. We hope we show our kids what hard work looks like and what it means to look after not just our own family but our teams families and the local community too.

Funny reels and banter aside, we're a small local team who really love what we do, thanks for being part of our little internet community here and also for supporting our small business. I know we speak with other small business owners when we say that every like, share and repost helps us, so thanks for engaging and as always, if you ever need help with your mortgage, get in touch, we'd love to be part of that journey with you.

Brent & HannaH ☺️

26/05/2026

You read Waterlemons wrong - and the next line 😂😭 try loan documents and bank forms? This is exactly why you need a great Mortgage Broker (advisor). We do this stuff daily and can explain it all in a way that you’ll understand 🤝

“Don’t settle for average advice. Work with the award-winning team at Mortgage Mates. Whether you’re local to us in Rangiora or anywhere else in New Zealand, we provide expert mortgage solutions tailored to you. 🏆
Pop into our office at Conway Lane or DM us to start your journey today. 📩”

15/05/2026

They said no again 🤣😭

The reels may be unhinged but our financial advice is spot on - if you’re looking for a Mortgage Advisor - Hey, we’re Mortgage Mates. Don’t settle for average advice. Work with our award-winning team. Whether you’re local to us in Rangiora or anywhere else in New Zealand, we provide expert mortgage solutions tailored to you. 🏆

Pop into our office at Conway Lane or DM us to start your journey today. 📩

14/05/2026

Just because you’re older Katie doesn’t mean you can tell me what to do 🤣🤣🤣

“Hey! We’re your local Mortgage Brokers. And when we’re not making Oscar worthy reels we are the award-winning team at Mortgage Mates. Whether you’re local to us in Rangiora or anywhere else in New Zealand, we provide expert mortgage solutions tailored to you. 🏆
Pop into our office at Conway Lane or DM us to start your journey today. 📩”

Most Kiwis renew their mortgage with the same lender on autopilot. The cost of that habit... Often $10,000+ over five ye...
11/05/2026

Most Kiwis renew their mortgage with the same lender on autopilot. The cost of that habit... Often $10,000+ over five years - quietly, in interest you didn't have to pay.

Refinancing isn't a hassle. It's not just for people whose fixed term is up. And your bank's "best rate" almost never is.

Four refinancing myths we hear every single week — and the reality that's costing Kiwi families thousands while they believe them.

Swipe through 👉
If you haven't had your loan reviewed in two years, save this carousel for tonight, then send us a quick DM.
We'll do the maths on your specific loan, for free.

Most people are surprised by what we find 👀

20/02/2026

Just out here giving it our all guys! 🤣🤳 😅

Also we love walk-in’s ! 😆 visit us anytime - we’re North Canterburys local Mortgage Brokers, come and see us on Conway Lane, Rangiora above FOD cafe. We’re here for all your mortgage and insurance needs ☺️👋🤝

Please feel free to share any content ideas you might have for us lol, we’re giving it our best shot to go viral or at least revive our social media accounts 🎉

12/01/2026

We’re back on deck after a recharge! Our team had a great holiday break / Katie had a birthday, Rebecca got a new pup! There was camping, horse riding, fishing, boating, and most importantly- family time 🥰 we’re ready for you 2026 👏 we hope you all had a great break too - lets go 💃🕺

30/11/2025

OCR CUTS AGAIN! 💃🏽🕺🏽
The Reserve Bank just trimmed the OCR by 0.25%, bringing it down to 2.25%.

So… what’s going on out there?

🌱 The Good News:

The wobble we had mid-2025 is calming down

Lower rates = a little more breathing room

Jobs are steadying up

Auckland’s showing some green-shoot energy

Property sales are up 6% from last year

🔥 The Not-So-Fun Bits:

Inflation is still sitting at 3%

Power + food prices = still doing the most

The recovery is happening… just not as fast as we’d all love

What this actually means for you 👇

🏡 Got a mortgage?
Don’t expect banks to suddenly drop rates dramatically, they’ve already been cutting and throwing around some pretty sweet cashback offers.
We might be at the end of the easing cycle, so now’s a smart time to look at:
✨ fixing a little longer, or
✨ splitting your loan across short + longer-term rates for balance.

FYI: Australia’s paused their rates and inflation is up, so they might even go the other way. All signs point to this being the last cut for a bit.

🛒 Thinking about buying?
Sales are climbing, and that tends to nudge prices up. PLUS the Reserve Bank is lowering deposit requirements from December… so buying is about to get a touch easier.

🔮 The Outlook:
RBNZ is aiming for inflation to chill back to around 2% by mid-2026. More cuts? Depends how the recovery plays out, could speed up, could slow down.

Bottom line:
Rates are easing, the economy’s healing, and while it’s not overnight magic… we’re moving in the right direction.

If you want to chat through your options, we’re always here — let’s get you home. 🏡✨

*As always - This is general advice only — for specific guidance or full disclosure, get in touch with the team*

Address

176 High Street
Rangiora
7400

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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