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.

08/06/2026

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐡𝐞 𝐤𝐧𝐨𝐰 𝐰𝐢𝐭𝐡 𝐀𝐧𝐝𝐫𝐞𝐰 𝐑𝐨𝐨𝐝 👋

Hi! If we haven’t met yet - I’m Andrew Rood, your local mortgage advisor with Mike Pero Mortgages.

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 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 𝑎𝑛𝑑 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠, 𝑙𝑖𝑚𝑖𝑡𝑠 𝑎𝑛𝑑 𝑒𝑥𝑐𝑙𝑢𝑠𝑖𝑜𝑛𝑠 𝑎𝑝𝑝𝑙𝑦. 𝐷𝑖𝑠𝑐𝑙𝑜𝑠𝑢𝑟𝑒 𝑠𝑡𝑎𝑡𝑒𝑚𝑒𝑛𝑡 𝑓𝑟𝑒𝑒 𝑜𝑛 𝑟𝑒𝑞𝑢𝑒𝑠𝑡 𝑜𝑟 𝑎𝑡 𝑤𝑤𝑤.𝑚𝑖𝑘𝑒𝑝𝑒𝑟𝑜.𝑐𝑜.𝑛𝑧.

05/06/2026

🏦𝐉𝐮𝐧𝐞 𝐑𝐚𝐭𝐞𝐬 𝐔𝐩𝐝𝐚𝐭𝐞 — 𝐖𝐡𝐚𝐭’𝐬 𝐡𝐚𝐩𝐩𝐞𝐧𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐎𝐂𝐑?

The Reserve Bank’s next OCR review has just happened — and it’s worth knowing what the signals are saying.

Where things stand right now:

⚠️ Most major banks are signalling the OCR has bottomed out at 2.25%

⚠️ Rate rises are expected from late 2026 — possibly sooner if inflation stays sticky

✅ Short-term fixed rates (1–2 year) are still competitive

✅ If you’re refixing in the next 6–12 months, now is the time to plan

The window to lock in favourable rates may be shorter than you think.

Don’t wait until your rate rolls — book a free review with me today.

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.

01/06/2026

Let’s bust some myths. I hear these every week — and they’re stopping people from taking action. 👇

❌ MYTH 1: “I need a huge deposit before I can even think about buying”
✅ TRUTH: You may be able to buy with less than you think. The right deposit depends on your situation and which lenders I approach on your behalf.

❌ MYTH 2: “My bank will give me the best deal”
✅ TRUTH: Your bank only offers their products. A mortgage advisor like me compares options across multiple lenders to find what works best for you.

❌ MYTH 3: “Using a mortgage advisor costs money”
✅ TRUTH: My service is typically free to you. I’m paid by the lender once your loan settles.

Which of these surprised you most? Drop a number below — I’m curious! 👇

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.

28/05/2026

𝐇𝐚𝐩𝐩𝐲 𝐊𝐢𝐧𝐠’𝐬 𝐁𝐢𝐫𝐭𝐡𝐝𝐚𝐲 𝐖𝐞𝐞𝐤𝐞𝐧𝐝, 𝐀𝐨𝐭𝐞𝐚𝐫𝐨𝐚! 🇳🇿

A long weekend is a good excuse to slow down — and maybe think about the bigger picture.

If you’ve been putting off reviewing your mortgage, the long weekend is actually a perfect time to get your head around it. Ask yourself:

- When does my fixed rate expire?
- Am I on the right structure for where I’m at now?
- Have rates moved since I last checked?

We’re taking Monday off to enjoy the break with our whānau — but I’m back Tuesday and happy to chat.

Book a free, no-obligation review this week. Link in bio.

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.*

26/05/2026

𝐏𝐞𝐨𝐩𝐥𝐞 𝐨𝐟𝐭𝐞𝐧 𝐚𝐬𝐤 𝐦𝐞 — 𝐰𝐡𝐲 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬?

Honestly? Because I've seen what the right advice at the right time can do for a family.

Owning a home changes everything. It's security for your kids. It's building wealth instead of paying someone else's mortgage. It's having a place that's truly yours.

I became a mortgage advisor because I wanted to help more people get there — especially those who think it's out of reach.

With Mike Pero Mortgages, I've got access to a wide range of lenders and a team behind me that genuinely cares about outcomes for clients.

If you're thinking about your next step in property, I'd love to be part of that journey.

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](http://www.mikepero.co.nz/).

**Send me a message — let's start the conversation.**

22/05/2026

𝐅𝐫𝐞𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐜𝐡𝐞𝐜𝐤-𝐢𝐧 — 𝐢𝐬 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐲𝐨𝐮?

When did you last review your mortgage? If it’s been a while, it’s worth taking a closer look.

Interest rates have shifted. Your financial situation may have changed. And there’s a good chance your current loan isn’t as competitive as it could be.

Here’s what I look at:

✅ Is your interest rate still competitive?

✅ Is your loan structure right for where you’re at now?

✅ Are there better options available to you?

✅ Could you be paying it off faster?

This service is completely free.

One conversation could make a real difference. Don’t let your rate quietly roll onto floating without a plan.

*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.*

Comment ‘REVIEW’ below and I’ll reach out to book your free check-in**. 📲**

18/05/2026

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐝𝐨 𝐲𝐨𝐮 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐧𝐞𝐞𝐝 𝐢𝐧 𝐍𝐙?

A lot of people think they need a 20% deposit before they can even think about buying. That's not always the case.

Here's a quick guide to how deposits work in New Zealand:

🏦 20% deposit
The standard. Most lender options available, no low-equity premium.

🏦 10% deposit
Possible with certain lenders. Conditions apply, but very achievable for many buyers.

🏦 5% deposit
Available to eligible first home buyers through specific schemes and lenders.

The right amount for you depends on:
• Your income and employment type
• Your savings history
• The property you're buying
• Which lender we use

The good news? I work with lenders across the board — which means more options for you.

You might be closer to buying than you think.

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](http://www.mikepero.co.nz/).

15/05/2026

𝐂𝐥𝐢𝐞𝐧𝐭 𝐬𝐭𝐨𝐫𝐲 — 𝐟𝐫𝐨𝐦 '𝐰𝐞 𝐜𝐚𝐧'𝐭 𝐚𝐟𝐟𝐨𝐫𝐝 𝐢𝐭' 𝐭𝐨 𝐤𝐞𝐲𝐬 𝐢𝐧 𝐡𝐚𝐧𝐝

Last month, a couple came to me feeling completely defeated.

They'd been to their bank and been told they didn't have enough deposit. They were ready to give up on buying for another year.

We sat down, looked at their full picture, and found a lender who could work with their situation.

Six weeks later? They had the keys to their first home. 🏡

This is why I do what I do. Not every situation is perfect — but there's almost always a path forward. You just need someone who knows where to look.

If you've been told "no" or you're not sure where you stand — please reach out. A conversation costs nothing.

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](http://www.mikepero.co.nz/).

12/05/2026

"𝐒𝐡𝐨𝐮𝐥𝐝 𝐈 𝐟𝐢𝐱 𝐦𝐲 𝐫𝐚𝐭𝐞 𝐨𝐫 𝐠𝐨 𝐟𝐥𝐨𝐚𝐭𝐢𝐧𝐠?" — 𝐈 𝐠𝐞𝐭 𝐚𝐬𝐤𝐞𝐝 𝐭𝐡𝐢𝐬 𝐚𝐥𝐦𝐨𝐬𝐭 𝐞𝐯𝐞𝐫𝐲 𝐝𝐚𝐲

Here's the honest brHere's the honest br :

🔒 FIXED RATE
✅ Same repayment amount every month
✅ Protected if rates rise
✅ Great for budgeting
❌ Less flexibility to make extra payments
❌ Break fees if you change early

🌊 FLOATING RATE
✅ Can make extra payments anytime
✅ Benefits if rates drop
✅ More flexibility
❌ Repayments can go up or down
❌ Harder to budget long-term

The right choice depends on your income, your plans, and the current market. Every situation is different — let’s talk through yours.

If your mortgage is coming off a fixed rate, I can help you refinance and structure your lending tailored to your needs. Contact Andrew today.

*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.*

08/05/2026

𝐖𝐡𝐞𝐫𝐞 𝐚𝐫𝐞 𝐲𝐨𝐮 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐣𝐨𝐮𝐫𝐧𝐞𝐲?

Quick question for my Facebook community — where are you at right now with property?

Comment with your letter:

A) Still saving for a deposit

B) Ready to start looking seriously

C) Already viewing homes

D) Looking to refinance or invest

E) Already own — just curious!

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](http://www.mikepero.co.nz/).

I'll reply to every comment.

Address

Tauranga

Telephone

+64275257532

Website

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

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