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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.

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.

How much of your deposit is already sitting in your KiwiSaver savings is important because you might be closer to buying...
22/07/2026

How much of your deposit is already sitting in your KiwiSaver savings is important because you might be closer to buying than you realise.

We often meet people who are trying to save harder…

Cutting back…

Waiting another year…

Without realising a large chunk or all, of the required deposit could already be sitting in your KiwiSaver account.

The problem isn’t usually eligibility. It’s clarity:

- How much can you actually withdraw?
- When can you access it?
- Does it cover your full deposit, or just part of it?
- And how does all of that fit with what the bank needs?

These questions matter *before* you start house hunting because once you know your real numbers you stop guessing and you start planning properly.

Your KiwiSaver savings could turn “maybe one day” into “actually… we could do this.”

If you’d like to know exactly how much you could access, and whether it’s enough to move forward, send a message to [email protected] and he’ll run through it with you.

Paul is all about making things simple, staying one step ahead, and being there whenever you need advice or reassurance ...
20/07/2026

Paul is all about making things simple, staying one step ahead, and being there whenever you need advice or reassurance along the way.

If you’re starting to think about your first home, or you’re not sure where to begin, this is your sign to reach out.

From navigating tricky situations to keeping communication easy to understand every step of the way, it’s all about maki...
15/07/2026

From navigating tricky situations to keeping communication easy to understand every step of the way, it’s all about making sure you feel confident and in control throughout the process.

If you’re looking at a new build or need guidance with your home loan, you’re in very good hands here.

Should you buy or wait until the market ‘crashes’…This is one thing people don’t always say out loud, but from our exper...
13/07/2026

Should you buy or wait until the market ‘crashes’…

This is one thing people don’t always say out loud, but from our experience, they’re definitely thinking it.

There’s always talk about how “prices will drop more”, or you should “just wait another year” because “the market’s about to change”.

Trying to perfectly time the property market is almost impossible. What actually matters more than timing the market is:

- Your job stability
- Your deposit position
- Whether repayments are comfortable
- How long do you plan to hold the property

If you’re buying a long-term home, short-term market dips matter less.

If you’re stretching your budget to the max, timing matters more.

The right question isn’t:
“Is this the bottom of the market?”

It’s:
“Is this the right time for *us* financially?”

A “good market” doesn’t help if your situation isn’t ready, and a “messy market” can still work if your numbers are strong.

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Tauranga

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Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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+6421615907

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