Michele Davidson - Mortgage Adviser

10/06/2026

It seems scary, but really it doesn’t have to be!

I’m all about helping you build knowledge in a space that might seem foreign but can be the most rewarding thing ever 🏡

So often I chat with clients who think they are still 6 - 12 months away, sometimes even longer. But when we break it down, they are actually a lot closer than they think.

My tips to consider when starting thinking about whether buying a home for you is:

🏡 Understand your numbers - how much do you earn, what does your deposit look like, what debts do you have?
Awareness is half the journey!

🏡 Think about what a comfortable weekly/fortnightly mortgage repayment is - remember this is essentially going to replace your rent payment. Think about what is comfortable for your budget

🏡 Be open minded to options - where you want to live vs where you could live, what opportunities at work do you have to increase your income, consider having boarders/flatmates

These are just a few simple things that the home buying process seem a lot less daunting.

Oh and last one…

🏡 Speak to a Mortgage Adviser sooner rather than later. Take away the guess work, let us help you help refine your path to a home 😁

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

05/06/2026

Checking your KiwiSaver provider is one of the easiest tweaks you can make as a First home Buyer that can potentially increase your deposit for your first home.

So many clients have never touched their KiwiSaver since it first started and I get it, it seems too hard… but this could be costing you thousands in fees and thousands in potential deposit.

If you want some advice around what changes you could make, then reach out and I can help refer you to an expert in the field!

Disclaimer - I am not a KiwiSaver Adviser therefore can not advise your specifically.

04/06/2026

Real-life numbers because hypothetical scenarios only tell part of the story. 👀

This isn’t about comparing yourself to someone else’s journey. It’s about showing what’s actually happening in today’s market and what may be possible for people in a similar position.

Everyone’s financial situation is different. Income, expenses, KiwiSaver, deposit, lending criteria, and location all play a part.

But one thing I see time and time again is people assuming they’re not ready to buy a home, when in reality they’re much closer than they think.

The only way to know for sure is to look at the numbers.

🏡 If you’ve been wondering whether home ownership could be within reach, send me a message and let’s see what might be possible for you. 💬

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

This is not financial advice, this is for educational purposes only! 📚

02/06/2026

27/05/2026

Now before the comments come for me… renting absolutely has its place depending on your goals, lifestyle, and timing.

But it’s also important to understand the difference:

🏡 Paying rent = helping pay off someone else’s mortgage

🏡 Paying a home loan = gradually building ownership in an asset over time

The reality is, your first home doesn’t need to be your forever home.
Sometimes it’s simply your foot in the door.🚪

And no, you don’t always need a massive deposit or perfect situation to start exploring your options.

That’s where strategy matters. 💡

Let me know if your ready to get out of the renting game and onto the homeownership ladder. 🪜🏡

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

26/05/2026

It doesn’t matter whether you’re Millennial, Gen Z, Gen X or somewhere in between 👀

When it comes to mortgages, there’s no one-size-fits-all approach.
I tailor advice to your goals, lifestyle and financial situation…not your age.

Whether you’re looking at:
🏡 Buying your first home
🏡 Refinancing your current mortgage
🏡 Refixing your rates
🏡 Growing a property portfolio
🏡 Upsizing or downsizing
🏡 Finding ways to save money 💸

It’s all about giving you options, building the right strategy, and making the process feel simple and stress-free.

So… what are you waiting for?
Let’s have a chat 💬

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

24/05/2026

Does it feel like your mortgage is the boss at times and you’re just being dragged along for the ride?
This is your sign to take matters into your own hands and take the reins back. 👏

Too many people set up a mortgage once… then leave it on autopilot for years.
Meanwhile:
➡️ rates change
➡️ life changes
➡️ goals change
➡️ banks change their policies and offers

But your loan just sits there quietly costing you money if it’s no longer structured the right way.

Your mortgage should work FOR you… not control your every move.

Whether it’s:
🏡 paying your home off faster
💰 reducing repayments
📈 building a property portfolio
🛠 renovating
👨‍👩‍👧 creating more breathing room for the family budget

There are often options available that people don’t even realise exist.

And no, you don’t have to just “accept whatever the bank says.”

Sometimes small changes to structure, rates, repayments or strategy can make a massive difference over time.

You worked hard to get the house.
Now it’s time to make the mortgage work smarter for YOU.

And if you need help working on the strategy 👇

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

19/05/2026

Hate to break it to you… but being a Mortgage Adviser isn’t all cafés, coffee runs & good vibes 😅

Behind the scenes, there’s a lot happening to help clients build wealth, grow their property portfolios, and save money on their home loans 💰

From First Home Buyers, to seasoned Property Investors, to homeowners simply wanting a better deal; no two scenarios are ever the same.

In the short time I’ve been an adviser, I’ve already worked through a wide range of situations. Some have been straightforward, others have come with a few hurdles, but every challenge has been worth it when it helps clients achieve their property goals 🙌

And honestly… I’m only scratching the surface.

There are some exciting things currently in the pipeline too, so watch this space 👀

If you’re wanting someone in your corner who’s genuinely dedicated to helping you get across the line or simply making sure your mortgage is still working for you - feel free to reach out 📩📲📞

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

12/05/2026

Im hearing this alot lately…
‘But I’ve been with my bank for years, they owe me.’ 👀

And I get it, times are tough and it would just be easier if the bank looked after you so you didn’t go deal with the admin.

Reality check: banks don’t lend based on loyalty anymore. They lend based on risk, servicing, policy, and whether you fit their box today.

And while it’s easy to feel frustrated when your own bank says no or won’t match another deal… but remember, they once trusted you with hundreds of thousands of dollars when most people couldn’t.

Banks usually reward loyalty upfront with cashback and special pricing for the first few years. After that? It’s up to you to decide whether staying loyal still makes financial sense.

The smartest borrowers aren’t emotionally tied to one bank.
They review, negotiate, and move when it benefits them.

Loyalty is nice. Strategy is better. 💰

And if you need help making smart moves with your mortgage… 👇

📲 M: 027 459 3090
💻 E: [email protected]

11/05/2026

“Buying a home just feels too complicated…”

Sound familiar?

And honestly, I get it and I’ve been there!
There’s a lot of noise out there.
Conflicting advice. Bank jargon. TikTok tips that don’t actually apply to your situation.

But most of the time, it’s not that it’s too hard…it’s that you don’t have the right person walking you through it. 🚶‍♀️

My job isn’t just to “get you the loan”
🌟 Its to simplify it
🌟 To give you a clear plan
🌟 To tell you what actually matters (and what doesn’t)
🌟 To answer your questions (even the ones you think are “silly”)
🌟 And to make sure you’re not guessing your way through one of the biggest decisions you’ll make.

Because when you understand the steps, it all feels a lot less overwhelming.

Hi 👋 My name’s Michele and I’m a Mortgage Adviser based in the sunny Papamoa, but servicing clients across New Zealand. 🇳🇿

I help first home buyers, family home upgrades, property investors and the ’stay in my home for the long run’ kinda peeps. My goal is to make sure your home buying journey is a positive one 🥰

So send this to a person who keeps saying they want to buy a home but just doesn’t know where to start. You might just change their life 😁🏡

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz