Jacques Pitts Financial Adviser - Mortgages

Jacques Pitts Financial Adviser - Mortgages Arranging Finance and securing the best loan shouldn't keep you up at night - That's where I come in.

I do the legwork for you and utilise my relationship with the lenders to get you the best deal.

Five things first home buyers in New Zealand believe that aren't actually true.I hear these almost every week. And every...
16/05/2026

Five things first home buyers in New Zealand believe that aren't actually true.

I hear these almost every week. And every time, there's a real person on the other side of it who's been waiting longer than they needed to, or ruled themselves out before they even started. Swipe through. If one of these sounds like you, let's talk.

Which one have you believed? Drop a number in the comments, I'd genuinely love to know which myth is the most common.

Feedback like this never gets old.Because behind every testimonial is a real story, usually one that started with a bit ...
16/05/2026

Feedback like this never gets old.

Because behind every testimonial is a real story, usually one that started with a bit of uncertainty, a lot of questions, and a big life decision ahead.

If you’re starting to think about buying, refinancing, or just trying to make sense of it all, you don’t have to figure it out alone.

👉 What’s one thing about the home-buying process you wish someone had explained better?

Imagine you walked into a car yard, told the salesperson your exact budget, and then let them choose the car for you. Th...
09/05/2026

Imagine you walked into a car yard, told the salesperson your exact budget, and then let them choose the car for you. That's essentially what going straight to your bank for a mortgage looks like.

Your bank has one job: sell you their products.

They're not going to tell you that another lender has a better cash contribution right now. They won't mention that a competitor's fixed rate is a quarter of a percent lower. They definitely won't restructure your loan in a way that benefits you at their expense.

They're not bad people. It's just not their job.

A mortgage adviser's job is different. We work across multiple lenders, compare products side-by-side, and then tell you which one actually makes sense for your situation.

And the best part? Using a mortgage adviser costs you nothing. Lenders pay us. Not you.

Did you know mortgage advisers are paid by lenders, not borrowers? Surprised? Or already knew? Let me know below, genuinely curious how well-known this actually is.

She'd been Googling "how to buy a house in NZ" for two years. She'd never once picked up the phone and talked to someone...
07/05/2026

She'd been Googling "how to buy a house in NZ" for two years. She'd never once picked up the phone and talked to someone. Here's what happened when she finally did.

We'll call her Sarah (not her real name).

Mid-30s. Renting. Earning a decent income, but convinced she was "too far away" from buying.

The turning point wasn't a market shift. It wasn't a sudden windfall. It was a 40-minute conversation in which we actually reviewed her numbers.

Turns out her KiwiSaver balance was larger than she realised. Her income was more lender-friendly than she'd assumed. And the deposit gap, she thought, was massive? Not as big as Google had made it seem.

Six months later, she had keys.

The biggest thing standing between many first-home buyers and their first home isn't money. It's not even the market.

It's not having someone sit down and actually look at their specific situation.

That conversation doesn't cost anything. And it might change everything.

What's the story you're telling yourself about why you can't buy yet? I'd love to hear it, and respectfully challenge it. Drop it below.

Someone told you that you need a 20% deposit to buy a house in New Zealand. They were wrong, and it might be costing you...
05/05/2026

Someone told you that you need a 20% deposit to buy a house in New Zealand. They were wrong, and it might be costing you years.

Look, I get it. It's everywhere. "Save your 20%, then buy." It sounds responsible. Sensible, even.

🤔But here's what that advice ignores:
For many first home buyers, getting in with a 10% deposit (and sometimes even 5% in certain situations) is not only possible, but it can also actually be the smarter financial move.

Waiting an extra three years to hit 20% while the market moves? You might end up worse off than if you'd bought earlier with less.

The 20% rule is a real thing for standard lending. But it's not the only path. And for first home buyers? There are lanes most people don't even know exist. Worth a conversation before you write yourself off.

How much deposit are you working with right now? No judgment, I'm genuinely curious how many people are further along than they think.

Your bank just declined your home loan application. Before you spiral, that's not actually a full stop. It might just be...
01/05/2026

Your bank just declined your home loan application. Before you spiral, that's not actually a full stop. It might just be a comma.

Maybe your income structure is different (self-employed, contract, commission-based). Maybe there's a minor blip in your credit history from three years ago. Maybe you've been with the same bank your whole life, and they just don't have the right product for your situation.

Here's the thing most people don't know: there are over 20 lenders in New Zealand. Your bank is one of them.

A declined application isn't the end of the story. For a lot of my clients, it's actually the beginning of one that ends with them getting the keys.

Has your bank said no recently, or are you worried they might? Drop a comment or send me a message, let's look at your actual options.

None of this is complicated. But most people don't know where to start.👋 Which of these steps are you already doing, and...
28/04/2026

None of this is complicated. But most people don't know where to start.

👋 Which of these steps are you already doing, and which ones have you been putting off?

Be honest in the comments! And if you'd like a free, personalised checklist for your situation, send me a message, and I'll sort one for you.

When Sarah and Danie moved from South Africa to Rotorua, buying a home in New Zealand felt… miles away.New country. New ...
23/04/2026

When Sarah and Danie moved from South Africa to Rotorua, buying a home in New Zealand felt… miles away.

New country. New jobs. No local credit history. KiwiSaver still building. And a bank account that looked “real life”...groceries, takeaways, fees, the lot.

Their biggest fear? “Our accounts are too messy.”

We didn’t rush into an application. First, we cleaned up a few things. Restructured some small debt. Mapped out their borrowing power properly and set a 6-month plan.

Fast forward — pre-approved. Offer accepted. Keys in hand.

If your finances feel a bit messy right now… that doesn’t mean you can’t buy.

It might just mean you need structure, not stress.

Everyone’s focused on the wrong thing…“It’s all about the interest rate.”It’s not.What actually matters more:✔ Can you c...
20/04/2026

Everyone’s focused on the wrong thing…

“It’s all about the interest rate.”

It’s not.

What actually matters more:
✔ Can you comfortably afford repayments?
✔ Do you have a buffer?
✔ Is your loan structured properly?
✔ Do you understand your options?

Because here’s the truth:
Rates will change.

Your strategy is what protects you.

And right now?

We’re in a relatively stable period before potential gradual increases later this year, not chaos.

That’s not something to fear…
It’s something to prepare for.

If rates changed tomorrow, would you feel confident or stressed?

It’s not rates.It’s not deposits.It’s this:👉 Overwhelm.Too much information.Too many opinions.Too many “what ifs”.So peo...
16/04/2026

It’s not rates.
It’s not deposits.

It’s this:
👉 Overwhelm.

Too much information.
Too many opinions.
Too many “what ifs”.

So people do nothing.

Meanwhile…
The people moving forward aren’t the ones with perfect timing.

They’re the ones with:
• A clear plan
• Someone guiding them
• Confidence in their next step

You don’t need to know everything.
You just need to know what to do next.

💬 What part of the process feels most confusing right now?

Address

7/30 Willow Street
Tauranga
3110

Telephone

+64273017177

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