Andrew Rood - Mike Pero Mortgages Tauranga

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Andrew Rood - Mike Pero Mortgages Tauranga

Need a home loan? Give me a call! Approved applicants only. Lending terms and conditions apply. I am here to help every step of the way.

Based in Tauranga I am happy to visit you at a place and time that suits you. I can help you through the process of purchasing your first home, growing your investment portfolio, personal loans, refinancing and managing all of your insurance needs. Let me save you time and money by working with my network of financial providers. By doing all the legwork for you I will make the application process

as simple and easy as possible. You can relax knowing that I will help find you the best deal possible that suits your circumstances and goals. I have lots of experience in the finance and insurance sector having worked for various large financial corporate companies for the last thirteen years including Public Trust, TOWER Investments, St Laurence Group, AIG Australia and Harcourts as a Commercial Property Agent. I can also help you with understanding conveyancing and liaising with real estate agents. I will always put my client’s needs first and will ensure the right products are matched to your current situation and future plans. Call me today for an appointment and I look forward to working with you.

02/09/2026

The Reserve Bank has increased the OCR.

Reach out today to learn how this impacts you:

contact: ANDREW ROOD on 0275 257 532

28/08/2026

𝐀𝐮𝐠𝐮𝐬𝐭 𝐰𝐫𝐚𝐩 - 𝐚𝐧𝐝 𝐰𝐡𝐚𝐭'𝐬 𝐚𝐡𝐞𝐚𝐝 𝐢𝐧 𝐒𝐞𝐩𝐭𝐞𝐦𝐛𝐞𝐫

Another month down. Here's where things stand:

Spring listings are starting to build - pre-approved buyers will have the edge” to“Spring is almost here - pre-approved buyers will have the edge

If you've got a rate refixing, a refinance to weigh up, or a purchase you're workingtowards, now's the time to get the groundwork sorted before spring properly kicksoff.

Message me - let's map out your next step.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

24/08/2026

𝐌𝐚𝐫𝐤 𝐲𝐨𝐮𝐫 𝐜𝐚𝐥𝐞𝐧𝐝𝐚𝐫: 𝐚 𝐛𝐢𝐠 𝐫𝐚𝐭𝐞 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐢𝐬 𝐜𝐨𝐦𝐢𝐧𝐠 𝟐 𝐒𝐞𝐩𝐭𝐞𝐦𝐛𝐞𝐫

The Reserve Bank's next Monetary Policy Statement lands Wednesday 2September - one of the more closely watched dates this year.

Will the OCR move up again?
What this could mean for you:
⚠️ If hikes begin, floating and shorter fixed rates may start creeping up
If you're coming off a fixed rate around now, this is a good week to have thatconversation.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

21/08/2026

𝐐𝐮𝐢𝐜𝐤 𝐩𝐨𝐥𝐥: 𝐰𝐡𝐚𝐭'𝐬 𝐲𝐨𝐮𝐫 𝐛𝐢𝐠𝐠𝐞𝐬𝐭 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰?

I'd love to hear from you - drop the letter that matches your situation:
A) When should I start my refix conversation?
B) Am I better fixing, floating, or splitting?
C) Could I actually borrow more than I think?
D) Is refinancing beneficial?
E) Just want to know what spring will do to prices

I read every comment, and I'm happy to point you in the right direction - no stringsattached.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

17/08/2026

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐡𝐞 𝐤𝐧𝐨𝐰 𝐰𝐢𝐭𝐡 𝐀𝐧𝐝𝐫𝐞𝐰 𝐑𝐨𝐨𝐝 👋

If we haven't met yet - hi! I'm Andrew Rood, your local mortgage advisor with MikePero Mortgages, based in Tauranga and working with clients across the Bay ofPlenty and beyond.
Here's what I do, in plain English:
✅ I search across multiple lenders - not just one bank
✅ I find the right loan structure for YOUR situation
✅ I make the process simple, clear, and stress-free
✅ My service is free
Whether you're a first home buyer, refinancing, or investing - let's talk.
Send me a message or drop a comment below. 👇

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

14/08/2026

𝐓𝐫𝐮𝐞 𝐬𝐭𝐨𝐫𝐲: "𝐖𝐞 𝐝𝐢𝐝𝐧'𝐭 𝐭𝐡𝐢𝐧𝐤 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐰𝐚𝐬 𝐰𝐨𝐫𝐭𝐡 𝐭𝐡𝐞 𝐡𝐚𝐬𝐬𝐥𝐞"

A client came to me convinced that switching lenders wasn't worth it - they'd been with the same bank for years and assumed loyalty would be rewarded with agood rate. It wasn't.

We worked through it together:
Compared their current rate and structure against the wider market
Ran the numbers on the break fee versus the new cash contribution and savingsover time
Found a lender offering a great interest rate and I tailored a structure to suit theirneeds and to pay it off faster
Even after the break cost, they came out ahead - and now have a plan for theirnext refix too.
Sometimes loyalty costs more than people realise. A quick check-in is free - let'ssee where you stand.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

10/08/2026

𝐖𝐡𝐚𝐭 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐢𝐬 𝐚 "𝐛𝐫𝐞𝐚𝐤 𝐟𝐞𝐞" - 𝐚𝐧𝐝 𝐢𝐬 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐫𝐭𝐡 𝐢𝐭?

One of the most common questions I get: "I want to switch lenders or restructure,but won't the break fee wipe out any savings?"

Here's the honest answer - it depends:
✅ break fees are calculated on the gap between the wholesale swap rate whenyou first fixed your loan and the wholesale rate for the exact time you are breakingthe fixed rate, the loan balance, and the time remaining (months or years) left onthe fixed rate, as well as any administration fees
✅ In some cases the fee is minimal, or even zero, depending on where rates havemoved
✅ Even with a break fee, refinancing can still come out ahead if the new rate orstructure saves you enough over the term
The only way to know for sure is to run the numbers on your specific situation.
Want a clear answer on whether it stacks up for you? Message Andrew - no cost,no obligation.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

08/08/2026

𝐒𝐩𝐫𝐢𝐧𝐠'𝐬 𝐣𝐮𝐬𝐭 𝐚𝐫𝐨𝐮𝐧𝐝 𝐭𝐡𝐞 𝐜𝐨𝐫𝐧𝐞𝐫 - 𝐢𝐬 𝐲𝐨𝐮𝐫 𝐩𝐫𝐞-𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 𝐬𝐨𝐫𝐭𝐞𝐝?

Spring is traditionally when the property market wakes up. More listings, moreopen homes, more competition.

If you want to be ready to move when the right place comes up, pre-approval isthe head start that matters most:
✅ You know your real budget before you start looking
✅ You can move fast when a good property lists
✅ Vendors and agents take pre-approved buyers more seriously

Getting sorted now, while things are quieter, means you're not scrambling oncespring listings ramp up.
Want to get your pre-approval sorted before the rush? Message me today.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

04/08/2026

𝐑𝐞𝐟𝐢𝐱𝐢𝐧𝐠 𝐬𝐨𝐨𝐧? 𝐇𝐞𝐫𝐞'𝐬 𝐡𝐨𝐰 𝐭𝐨 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐩𝐫𝐞𝐩𝐚𝐫𝐞

If your fixed rate is due to roll off in the next 1–3 months, a bit of prep now can make a real difference to your options.

Before your rate expires:

- Get an up-to-date comparison across lenders — not just your current bank's offer
- Decide whether one fixed term suits you, or whether splitting across terms makes more sense
- Ask whether refinancing elsewhere could be worth it once break costs (if any) are weighed up

Banks rarely call to tell you there's a better deal out there. That part's on you — or on whoever's advocating for you.

𝐈𝐟 𝐲𝐨𝐮𝐫 𝐫𝐚𝐭𝐞'𝐬 𝐜𝐨𝐦𝐢𝐧𝐠 𝐮𝐩, 𝐥𝐞𝐭'𝐬 𝐠𝐞𝐭 𝐚𝐡𝐞𝐚𝐝 𝐨𝐟 𝐢𝐭. 𝐌𝐞𝐬𝐬𝐚𝐠𝐞 𝐀𝐧𝐝𝐫𝐞𝐰.

*Approved applicants only. Lending criteria apply. Policy criteria, terms and conditions, limits and exclusions apply. Disclosure statement free on request or at www.mikepero.co.nz.*

30/07/2026

𝐉𝐮𝐥𝐲 𝐖𝐫𝐚𝐩

Another month down. Here's where things stand:

- Bank test rates remain elevated, which is the bigger constraint on borrowing capacity for many right now — more so than the advertised rate
- Winter listings are typically lighter, but well-prepared buyers are still finding good opportunities

If there's a property or refinancing goal you've been sitting on, August is a good time to get the groundwork sorted — before spring brings more competition into the market.

Message me — let's map out your next step.

𝐴𝑝𝑝𝑟𝑜𝑣𝑒𝑑 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑛𝑡𝑠 𝑜𝑛𝑙𝑦. 𝐿𝑒𝑛𝑑𝑖𝑛𝑔 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎 𝑎𝑝𝑝𝑙𝑦. 𝑃𝑜𝑙𝑖𝑐𝑦 𝑐𝑟𝑖𝑡𝑒𝑟𝑖𝑎, 𝑡𝑒𝑟𝑚𝑠 𝑎𝑛𝑑 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡 𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

Address

Tauranga

Telephone

+64275257532

Website

https://www.mikepero.co.nz/mortgage-broker/tauranga/andrew-rood

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