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Know How Property Know How Property | Tauranga Mortgage Advisors

When it comes to property first-hand experience as owners and investors is invaluable.

We are accredited to work with main bank and non-bank lenders but importantly, always start with what's right for you.

Does the investment property actually stack up?It’s easy to get caught up in the purchase price of a property but the pu...
07/10/2026

Does the investment property actually stack up?

It’s easy to get caught up in the purchase price of a property but the purchase price is only one piece of the puzzle.

Before you make an offer, you need to understand what the property could actually cost you to own and whether the numbers work as an investment.

Think about:
🏠 Rental income: What could you realistically achieve in rent?
💸 Rates and insurance: What will the ongoing costs look like?
🔧 Maintenance: What could you need to spend keeping the property in good shape?
🏦 Lending costs: What will your mortgage repayments look like?
📉 Vacancies: What happens if the property sits empty between tenants?

Then look at the bigger picture…

Does the property fit your investment strategy, your current financial position and where you want to be in the future?

A property can look like a great deal until you run the numbers and sometimes, the numbers reveal an opportunity you might otherwise have overlooked.

Thinking about buying an investment property? Let’s talk!

You review your mortgage.You compare interest rates.You check your KiwiSaver.But when did you last review your insurance...
24/09/2026

You review your mortgage.

You compare interest rates.

You check your KiwiSaver.

But when did you last review your insurance?

A lot can change in a year.

You might have renovated your home, bought new belongings, changed jobs, increased your income, your children may have become financially independent, you’ve grown your family or taken on a bigger mortgage, but your insurance? It might still be based on the life you had several years ago.

Insurance isn’t really something to set up once and forget about.

The Insurance Council of NZ recommends regularly reviewing your cover, including your Sum Insured, policy details, excesses and any changes to how your home is being used.

And a review doesn’t automatically mean buying more insurance.

It means asking: does the cover I have still make sense for me?

If you can’t confidently answer that question, it might be time for a conversation.

Email [email protected] to review your current cover and make sure it still fits where life is at today.

There’s nothing better than helping clients through what can sometimes feel like a complicated process and seeing all th...
17/09/2026

There’s nothing better than helping clients through what can sometimes feel like a complicated process and seeing all the pieces come together.

A successful property journey is rarely a one-person job. Behind the scenes, there can be solicitors, accountants, banks, brokers and plenty of moving parts, which is why having the right people around you can make such a difference.

This was a great team effort. Sam was engaged and responsive throughout, which helped make the whole process work smoothly.

Thank you for trusting us to be part of your journey, Sam. We’re looking forward to continuing to work alongside you for whatever comes next.

Do I really need a 20% deposit to buy my first home? This is one of the biggest misconceptions we hear from first home b...
09/09/2026

Do I really need a 20% deposit to buy my first home?

This is one of the biggest misconceptions we hear from first home buyers.

The short answer? Not necessarily.

In fact, Reserve Bank data shows first home buyers accounted for $1.6 billion of new mortgage lending in June, with a significant portion of first-home-buyer lending occurring above 80% LVR.

Translation? Buyers with less than a 20% deposit are still getting into homes.

Of course, having a smaller deposit can change your options.

Different lenders have different criteria, and your income, existing debt, KiwiSaver, spending and overall financial position can all come into the equation.

That’s why we always recommend finding out what your numbers look like rather than assuming you’re not ready.

You might be further along than you think.

If buying your first home is on the radar, even if it still feels a little way off, email [email protected] to have a chat.

We’ll help you understand what lenders may look for and what you can work towards from here.

Imagine this: You bought your home a few years ago. You sorted the mortgage, ticked insurance off the list and haven’t t...
02/09/2026

Imagine this: You bought your home a few years ago. You sorted the mortgage, ticked insurance off the list and haven’t thought too much about it since.

Then one day, you need to rebuild.

That’s when you discover the number on your insurance policy isn’t based on what your home could sell for.

It’s based on what it could actually cost to rebuild it.

And those can be two very different numbers.

Your home’s Sum Insured needs to account for more than the house itself.

Think demolition, professional fees, consents, construction and other costs involved in rebuilding your property.

The Insurance Council of NZ recommends reviewing this regularly, particularly after renovations or changes to your property.

It’s one of those things that’s easy to “set and forget”, until you actually need it.

So, when was the last time you checked your Sum Insured?

A quick insurance review now could help make sure the cover you’re paying for actually matches what you’d need if the unexpected happened.

Unlike bank accounts or investment accounts, you can only have one KiwiSaver account at a time. You can change providers...
26/08/2026

Unlike bank accounts or investment accounts, you can only have one KiwiSaver account at a time.

You can change providers whenever you like, but your balance simply moves with you.

The good news is switching providers doesn't mean starting from scratch.

Your savings, employer contributions and investment returns all come with you.

If you've been thinking about changing providers but weren't sure how it works, it's actually much simpler than most people think.

That's exactly the experience we want every client to have.Whether you're buying your first home, growing your investmen...
19/08/2026

That's exactly the experience we want every client to have.

Whether you're buying your first home, growing your investment portfolio, or reviewing your loan structure, having the right advice can make all the difference. It shouldn't feel overwhelming or complicated. It should feel like you have someone in your corner who takes the time to understand your goals and create a strategy that works for you.

We're incredibly grateful for this kind feedback and the trust our clients place in us.

If you're looking for practical advice, clear communication, and a lending strategy designed around your future, we'd love to help.

Get in touch for a chat today.

Nobody regrets getting pre-approved.You know what people do regret?🏡 Finding the perfect home... only to realise they we...
12/08/2026

Nobody regrets getting pre-approved.

You know what people do regret?

🏡 Finding the perfect home... only to realise they weren't ready to make an offer.
⏳ Missing out because someone else was organised first.
🤔 Waiting until they found "the one" before talking to a mortgage adviser.

The truth is, pre-approval isn't the most exciting part of buying a home.

It won't give you the keys.

It won't help you choose paint colours.

It won't tell you where to put the couch.

But it will give you something just as important: confidence.

When you're pre-approved, you know:
✔ What your budget is.
✔ What your repayments could look like.
✔ That you're ready to move when the right property comes along.

In a competitive market, being prepared can make all the difference.

Whether you're actively house hunting or just starting to think about buying, getting pre-approved is one of the smartest first steps you can take.

Let's have a chat about your options and help you buy with confidence. Send us a message or give us a call today. 🏡

More expensive doesn't always mean better.Sometimes buying below your maximum budget gives you: ✔ Less financial pressur...
05/08/2026

More expensive doesn't always mean better.

Sometimes buying below your maximum budget gives you:
✔ Less financial pressure
✔ More flexibility
✔ Room for renovations
✔ Better lifestyle balance

The goal isn't to borrow the most.

It's to borrow what supports the life you want.

Have you actually checked your numbers?Not guessed.Not assumed.Not compared yourself to friends.Actually checked.Because...
27/07/2026

Have you actually checked your numbers?

Not guessed.
Not assumed.
Not compared yourself to friends.
Actually checked.

Because we regularly see people who:

- Think they’re years away
- Assume they don’t earn enough
- Believe they need a bigger deposit
- Or think the bank will say no (but haven’t actually asked)

…and they’re wrong.

Sometimes you’re not waiting on the market. You’re just waiting on clarity.

A quick pre-approval conversation can tell you:

- What you could borrow
- What repayments would look like
- What deposit you actually need
- And whether now makes sense for *you*

If you’d like to know where you truly stand, send a message to [email protected]. Confidence doesn’t come from timing the market, it comes from knowing your position.

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