Andrew Rood - Mike Pero Mortgages Tauranga

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Andrew Rood - Mike Pero Mortgages Tauranga

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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.

03/11/2026

𝐁𝐮𝐲𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞 𝐭𝐡𝐢𝐬 𝐬𝐮𝐦𝐦𝐞𝐫? 𝐖𝐡𝐲 𝐧𝐨𝐭!

Summer is often when people start thinking seriously about buying, especially with a bit of time off to get along to open homes.

At the moment, banks like ANZ and Westpac are saying house prices look fairly flat, and there seem to be plenty of homes listed for sale. For first-home buyers, that could mean a bit more choice and a bit more time to find the right place.

Before you start looking, it can really help to know what you’re working with:

✅ How much you might be able to borrow

✅ What your repayments could look like

✅ How much deposit you’ll need, including any KiwiSaver you may be able to use

Pre-approval gives you a clearer picture, so you can look at homes with more confidence.

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.

Contact me so we can start getting the pre-approval process going.

29/10/2026

𝐎𝐜𝐭𝐨𝐛𝐞𝐫 𝐰𝐫𝐚𝐩 𝐚𝐧𝐝 𝐰𝐡𝐚𝐭'𝐬 𝐚𝐡𝐞𝐚𝐝 𝐢𝐧 𝐍𝐨𝐯𝐞𝐦𝐛𝐞𝐫

Another month done. Here's where things stand:

📊 The Reserve Bank held the OCR at 2.75%." The next decision is Wednesday 9 December.

🗳️ The election: Saturday 7 November. Any new policy takes time to become law, so it pays to know your options under today's settings.

🏡 The spring market: there's still plenty of choice out there, and pre-approved buyers can move quickly.

If you've got a refix, a refinance or a purchase on the horizon, the groundwork is best done before Christmas.

Message me and 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

26/10/2026

𝐎𝐂𝐑 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰 𝐚𝐭 𝟐𝐩𝐦

Hope you had a great Labour Day weekend! 👋

Tomorrow (Wednesday 28 October) at 2pm, the Reserve Bank announces its next OCR decision. It's currently 2.75% after two 0.25% rises this year, in July and September.

Most bank economists now expect another 0.25% rise, taking it to 3%, and some think December could bring one more. That’s a forecast, not a promise.

Whatever happens, the useful question isn't "what will the OCR do?" It's "what does my mortgage look like if rates keep rising — or if they don't?"

Refix due in the next 12 months? Let's get your options lined up.

Message 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.

23/10/2026

𝐘𝐞𝐬𝐭𝐞𝐫𝐝𝐚𝐲'𝐬 𝐢𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 𝐟𝐢𝐠𝐮𝐫𝐞𝐬 — 𝐚𝐧𝐝 𝐰𝐡𝐲 𝐭𝐡𝐞𝐲 𝐦𝐚𝐭𝐭𝐞𝐫 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞

Stats NZ released the September quarter inflation figures yesterday. Annual inflation came in at 3.7%, compared with 4.1% in June.

Why does it matter for your mortgage? Here's how it connects:

1️⃣ Inflation figures show how quickly prices are rising

2️⃣ The Reserve Bank uses them to help decide where to set the OCR — the next decision is Wednesday 28 October at 2pm

3️⃣ The OCR, and where the market expects it to go, influences the rates lenders offer

Higher inflation can push rates up; lower inflation can do the opposite. Nobody predicts it perfectly, which is why a plan beats a guess.

If your fixed rate is coming up, let's talk before the decision, not after. Message me.

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.

20/10/2026

𝐄𝐥𝐞𝐜𝐭𝐢𝐨𝐧 𝟐𝟎𝟐𝟔: 𝐏𝐨𝐥𝐢𝐜𝐢𝐞𝐬 𝐚𝐫𝐞𝐧'𝐭 𝐥𝐚𝐰 𝐮𝐧𝐭𝐢𝐥 𝐭𝐡𝐞𝐲'𝐫𝐞 𝐩𝐚𝐬𝐬𝐞𝐝

With the election on Saturday 7 November, housing is in the headlines — deposit rules, tax settings, first-home schemes and more.

Here's the thing: policy announcements aren't law until they're passed, and what actually happens can look quite different once the votes are counted.

Banks assess you against today's rules, so it's worth knowing where you stand right now:

✅ What you could borrow today

✅ What's available to you under current settings

✅ What your options look like if your rate is due to roll off

That way you can make decisions based on facts, not headlines.

Message me for a no-cost, no-obligation chat about your situation.

General information only. This post doesn't support or oppose any political party.

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.

16/10/2026

𝐐𝐮𝐢𝐜𝐤 𝐩𝐨𝐥𝐥: 𝐰𝐡𝐚𝐭 𝐰𝐨𝐫𝐫𝐢𝐞𝐬 𝐲𝐨𝐮 𝐦𝐨𝐬𝐭 𝐚𝐛𝐨𝐮𝐭 𝐫𝐢𝐬𝐢𝐧𝐠 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬?

Three things I get asked a lot — and what's actually true:

❌ "I need a 20% deposit." Not always. Some lenders and schemes allow a lower deposit (as little as 5% in some cases), though criteria apply.

❌ "Staying loyal to my bank will get me the best rate." Banks rarely call to say there's a better deal out there. It pays to compare.

❌ "A mortgage adviser will cost me money." My service is free.

Got a mortgage question you've never quite been sure about? Send me a message — happy to help.

*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.

13/10/2026

𝐓𝐡𝐫𝐞𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐦𝐲𝐭𝐡𝐬

Three things I get asked a lot — and what's actually true:

❌ "I need a 20% deposit." Not always. Some lenders and schemes allow a lower deposit (as little as 5% in some cases), though criteria apply.

❌ "Staying loyal to my bank will get me the best rate." Banks rarely call to say there's a better deal out there. It pays to compare.

❌ "A mortgage adviser will cost me money." My service is free.

Got a mortgage question you've never quite been sure about? Send me a message — happy to help.

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.

11/10/2026

𝐒𝐩𝐫𝐢𝐧𝐠 𝐥𝐢𝐬𝐭𝐢𝐧𝐠𝐬 𝐚𝐫𝐞 𝐮𝐩. 𝐒𝐨 𝐢𝐬 𝐲𝐨𝐮𝐫 𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐢𝐧𝐠 𝐫𝐨𝐨𝐦

Spring is here and there's plenty on the market. With listings high and prices fairly soft this year, many buyers have more choice — and often more room to negotiate — than they've had in a while.

But room to negotiate only helps if you're ready to move. Pre-approval means:

✅ You know your real budget before you start viewing

✅ You can make an offer with confidence

✅ Agents and vendors take you seriously

And with rates on the way up, knowing what you can borrow and what the repayments look like is really critical.

**Thinking of buying this spring? Message me and let's get you pre-approved.**

*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.*

is here and there's plenty on the market. With listings high and prices fairly soft this year, many buyers have more choice — and often more room to negotiate — than they've had in a while.

But room to negotiate only helps if you're ready to move. Pre-approval means:

✅ You know your real budget before you start viewing

✅ You can make an offer with confidence

✅ Agents and vendors take you seriously

And with rates on the way up, knowing what you can borrow and what the repayments look like is really critical.

Thinking of buying this spring? Message me and let's get you pre-approved.

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.

05/10/2026

12 𝙬𝒆𝙚𝒌𝙨 𝙪𝒏𝙩𝒊𝙡 𝘾𝒉𝙧𝒊𝙨𝒕𝙢𝒂𝙨 — 𝙞𝒔 𝒚𝙤𝒖𝙧 𝙢𝒐𝙧𝒕𝙜𝒂𝙜𝒆 𝒔𝙤𝒓𝙩𝒆𝙙?

Q4 started, and Christmas is 12 weeks away. 🎄

The last few months of the year tend to fill up fast. If you've got something mortgage-related on your list, starting now means less scrambling later.

Three things worth ticking off before the silly season:

✅ Know when your fixed rate expires (and what's on offer when it does)

✅ Get pre-approved if you're planning to buy over summer

✅ Compare lenders — not just your current bank's offer

With the OCR now at 2.75%, it's a good time to know where you stand.

Message me and we'll map out your next step. No cost, no obligation.

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.

01/10/2026

𝐒𝐞𝐩𝐭𝐞𝐦𝐛𝐞𝐫 𝐰𝐫𝐚𝐩 - 𝐚𝐧𝐝 𝐰𝐡𝐚𝐭'𝐬 𝐚𝐡𝐞𝐚𝐝 𝐢𝐧 𝐎𝐜𝐭𝐨𝐛𝐞𝐫

Another month down. Here's where things stand:

✅ OCR/rate is currently 2.75%

✅ Refixing, refinancing or buying - now's the time to get the groundwork sorted before things get even busier in October

If you've got a rate refixing, a refinance to weigh up, or a purchase you're working towards, let's map out your next step before spring properly peaks.

Message me - let's get you sorted for October.

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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