Tammy Goddard - Mike Pero Mortgages

Tammy Goddard - Mike Pero Mortgages Home Loans, Personal Loans and Debt Consolidation, Insurance Services.

🔑 Is it time to refix your mortgage?When your fixed term ends, it’s the perfect opportunity to review your home loan and...
17/06/2026

🔑 Is it time to refix your mortgage?

When your fixed term ends, it’s the perfect opportunity to review your home loan and see what options are available.

Every situation is different, so getting the right advice can help you make an informed decision.

If your mortgage is coming up for refix, feel free to get in touch.

12/06/2026

🏡 Buying your first home can feel overwhelming when you’re not sure what comes next.

From getting pre-approved through to settlement day, every step plays an important part in the journey.

Here’s a simple timeline of what you can expect along the way. If you’re thinking about buying and would like guidance tailored to your situation, I’m always happy to help.

📞 Tammy Goddard | Mike Pero Mortgages

10/06/2026

☃️ Hello Winter! ❄️

The days may be shorter, but winter is the perfect time to slow down, stay cosy, and enjoy the simple things.

Wishing everyone a warm and happy season ahead. ❤️

Receiving feedback like this never gets old. ⭐️Thank you for trusting me to be part of your home ownership journey. Help...
04/06/2026

Receiving feedback like this never gets old. ⭐️

Thank you for trusting me to be part of your home ownership journey. Helping clients achieve their goals is the best part of what I do.

Thank you for the wonderful review! ❤️

🏡 Ever wondered where your mortgage repayments actually go?It’s more than simply paying off your home loan.Each repaymen...
03/06/2026

🏡 Ever wondered where your mortgage repayments actually go?
It’s more than simply paying off your home loan.

Each repayment is typically made up of:

✔️ Interest – the cost of borrowing money from the lender
✔️ Principal – the amount that reduces your loan balance

Over time, as your loan balance decreases, more of your repayments may go towards paying off the principal.

Swipe through to learn more about how mortgage repayments work. 👉

*Every situation is different and lending criteria apply.

👑 Happy King’s Birthday!Enjoy the extra day to relax, recharge and spend time with the people who matter most.Wishing ev...
31/05/2026

👑 Happy King’s Birthday!

Enjoy the extra day to relax, recharge and spend time with the people who matter most.

Wishing everyone a safe and enjoyable long weekend. 😊

Winter can often bring extra pressure on household budgets ❄️ Here are a few simple ways to help reduce costs this seas...
30/05/2026

Winter can often bring extra pressure on household budgets ❄️

Here are a few simple ways to help reduce costs this season:

✔ Be mindful of heating usage
✔ Meal plan to reduce food waste
✔ Review unused subscriptions
✔ Turn appliances off at the wall when not in use
✔ Set a weekly spending budget

Small changes can make a big difference over winter 🏡

One of the most common questions right now is whether to fix or float a mortgage rate. There’s no “one size fits all” ap...
29/05/2026

One of the most common questions right now is whether to fix or float a mortgage rate.
There’s no “one size fits all” approach — the right structure can depend on your goals, budget, future plans, and comfort with repayments.
What works for one household may not work for another, which is why it’s important to consider your own situation carefully 🏡

You may have heard the term “equity” when it comes to property and mortgages 👀 In simple terms, equity ...
27/05/2026

You may have heard the term “equity” when it comes to property and mortgages 👀
In simple terms, equity is the difference between what your home is valued and your mortgage. As property values change and home loans are paid down over time, equity can grow 🏡

Helping clients achieve their property goals and making the process as simple and stress free as possible is always the ...
23/05/2026

Helping clients achieve their property goals and making the process as simple and stress free as possible is always the goal 🏡

Thank you so much for the kind words and trust throughout the journey ✨

Address

197A Wai Iti Road, Highfield
Timaru
7910

Telephone

+6436832011

Website

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