Rose & Tim Ross - Mike Pero Mortgages Tauranga

18/03/2026

Even if you are an established mortgage holder it’s always good to remember that today’s actions can have a positive impact on your future financial position. Here are some quick reminders on how you could do that.

1. Consider your loan structure
Your mortgage structure should be tailored to your personal situation and goals – and that’s why getting personal advice matters so much. Have extra savings? A product such as revolving credit or offset facility could help you save on interest for a portion of your loan; allowing more of your payment to go towards paying the principal.

2. Make extra repayments
Paying more than your minimum repayment is a simple and effective way to shorten your loan term and build equity.
Even small increases to your regular repayments can significantly add up over the life of the loan and potentially shave years off your mortgage.

3. Add a lump sum payment
If you have extra cash when your fixed term expires, it can be helpful to use this to pay down some of the mortgage. In some instances you can also pay a lump sum on your loan during your fixed term.

While these changes may seem minor, they’re often overlooked. By making the effort to implement these strategies now, it can lead to significant long-term benefits. If you’d like support to explore your options, reach out to either Tim or Rose today.

Policy criteria, terms and conditions apply

01/03/2026

Buying your first home is an exciting milestone—but knowing where to start with finance can feel overwhelming. To make things easier, here are the 3 key steps every first home buyer should follow when starting out:

1) Work Out Your Borrowing Power

Before you fall in love with a home, you’ll want to know what you can actually afford.

This is where we look at:
* Your income
* Current expenses including debts
* Deposit

This step gives you a clear, realistic budget so you can focus on homes that tick both your wishlist and your affordability box.

2. Get Pre‑Approved

A pre‑approval gives you confidence—and an edge. In a market like Tauranga where good homes go quick, having your finance lined up makes you one step closer.

We help gather your documents, submit your application, and work with the lender through any conditions. This speeds things up and helps keep the process stress‑free.

3. Find Your Home & Finalise Your Offer

Once you’ve found the place (and maybe walked through it three times to be sure!), the next part is completing your due diligence:

* Builder’s report
* LIM report
* Reviewing the Sale & Purchase Agreement
* Getting insurance sorted

From there, we tick off any final lender requirements and structure your loan in a way that suits your lifestyle and long‑term goals—whether you’re focused on low repayments, paying it off quickly, or planning future renovations.

You don’t have to figure it out on your own. Give us a call to chat further

11/02/2026

Gotta join the fad, right?

27/11/2025

An interesting (common pun in our circles) chart that shows what has been happening in real interest rates after the recent OCR announcement.

A common misconception is that if OCR drops that there will always be a corresponding drop in fixed rates.

If you're looking for advice on interest rate decisions, get in touch - we're happy to chat through how this could be relevant for you and your finances.

30/09/2025

A new 4.49% rate out now for 12 months - looks like the poster here saw this coming 🤑

Some data out at the moment is pointing towards there being room for further cuts to interest rates.

Looks to us that there could be room for some competition amongst the banks through Spring and into Summer.

Economically it does appear very gloomy, so a little silver lining to these economic clouds is falling interest rates!

Reach out to us as to what this could mean for you.

18/09/2025

Some data out at the moment is pointing towards there being room for further cuts to interest rates.

Looks to us that there could be room for some competition amongst the banks through Spring and into Summer.

Economically it does appear very gloomy, so a little silver lining to these economic clouds is falling interest rates!

Reach out to us as to what this could mean for you.

19/02/2025

The Reserve Bank has reduced the OCR. Generally, with a lower OCR comes lower interest rates. Get in touch with Rose or Tim, one of your local experts today, to explore what this means for you:

https://www.mikepero.co.nz/mortgage-broker/tauranga/team-ross

17/02/2025

Thinking about buying investment properties? Sometimes the best deals aren't necessarily where you live. Opportunities like below, pop up when you go looking!

And of course, we're always happy to help with the finance on such a purchase!

House for sale at 16/170 Fraser Avenue, Johnsonville, Wellington City, Wellington 6037, with 3 beds, 2 baths. Negotiation. View all 11 property photos and Johnsonville suburb information.

03/10/2024

We love receiving reviews from our customer. Providing excellent customer service is always our top priority. We're committed to being helpful, knowledgeable, and supportive throughout every step of the process.

26/09/2024

Attending open homes this weekend? Check out these top tips to help you make the most of your visit!

Found a property you want to buy? Feel free to contact us to talk through your finance options

29/08/2024