Mortgage Express Timaru

13/10/2026

Declined by your bank? That doesn't mean no.

Banks all assess mortgages differently, and most declines come down to things people didn't even know were counting against them.

Here's what they're actually looking at:

💳 Your credit card limit
📊 Your spending from bank statements
💰 Your debt-to-income ratio
🏠 Rental income
💼 Self-employed income

The good news? There's plenty you can do to improve your position before you apply.

That's exactly where I come in. Let's look at your numbers to see what we can do for your individual situation.

Book in for a no-obligation chat.

Jacqui, Mortgage Express Timaru
027 529 7925

11/10/2026

Spoiler: not always. 🏡

This is one of the biggest myths I bust on a regular basis, and it’s stopping a lot of people from even starting the conversation.

If you’ve been putting off reaching out because you thought your deposit wasn’t big enough, this one’s for you.

I’d love to help you figure out where you actually stand.

Jacqui Fraser | Mortgage Express Timaru
📞 Jacqui: 027 529 7925

08/10/2026

Spring is here, and it's a great time to be a first-home buyer in South Canterbury.

More homes are coming to market to choose from. Stable prices. Less competition from investors.

If you've been sitting on the fence, this is the market you've been waiting for.

Don't wait too long; interest rates are starting to move again, and that may affect what you can borrow.

Let's have a chat and get you on the property ladder.

Jacqui, Mortgage Express Timaru
027 529 7925

06/10/2026

Most people are surprised by what’s actually possible.

Whether you’ve been sitting on the sidelines thinking you’re not ready, or you’ve just never had anyone properly run the numbers with you, this one’s for you.

I work with first-home buyers across Timaru, Temuka, Geraldine, and South Canterbury every single day, and the conversation you’re putting off might be the one that changes everything.

Drop your questions in the comments or send me a message; I’d love to help you figure out where you actually stand.

Jacqui Fraser Mortgage Express Timaru
📞 Jacqui: 027 529 7925

27/09/2026

06/08/2026

This one made my week. 🏡

Getting the keys to your first home is such a huge milestone, and being trusted to help make that happen, especially when the finances are complex, is exactly why I do what I do.

Tara, Troy and the kids, congratulations again. It was an absolute privilege to be part of your journey. Enjoy every single moment in your new home.

If you've been putting off getting started because you think your situation is too complicated, please reach out. Complex finances are kind of my speciality. 😊

Thank you, Jacqui.

📍 Jacqui Fraser & Robert Plant | Mortgage Express Timaru
📞 Jacqui: 027 529 7925 | Robert: 022 140 800

02/08/2026

If this property has caught your eye, don’t hesitate to get in touch with Renee today to arrange a viewing or ask any questions. You can find the property details here:
https://www.raineandhorne.co.nz/timaru/properties/28-murchison-drive-gleniti-7910-canterbury

If you’d like to understand how much your borrowing power could be, please call me on 022 140 8005 - I’m here to help you take the next step towards home ownership.

T&Cs and lending criteria apply.
This information is general in nature and does not consider your personal financial situation or goals.
Robert Plant is a financial adviser providing financial advice through MJCSM Financial Services Limited trading as Mortgage Express.
The examples provided are intended purely for educational and informational purposes. They have been presented in a generalized manner to ensure that the privacy of all advisers is respected.

26/07/2026

If this property has caught your eye, don’t hesitate to get in touch with Emma-Jane today to arrange a viewing or ask any questions. You can find the property details here:
https://www.bayleys.co.nz/listings/residential/canterbury/timaru/12a-campbell-street-maori-hill-5531089

If you’d like to understand how much your borrowing power could be, please call me on 022 140 8005 - I’m here to help you take the next step towards home ownership.

T&Cs and lending criteria apply.
This information is general in nature and does not consider your personal financial situation or goals.
Robert Plant is a financial adviser providing financial advice through MJCSM Financial Services Limited trading as Mortgage Express.
The examples provided are intended purely for educational and informational purposes. They have been presented in a generalized manner to ensure that the privacy of all advisers is respected.

19/07/2026

I'm trying something new, and I need your help to make it work.
Every fortnight I'm going to answer YOUR real mortgage questions..

First home buying. Refinancing. Investment properties. Interest rates. KiwiSaver. Deposits. Bridging finance. Whatever's been sitting in the back of your mind — ask away.

I've been a mortgage adviser for 7 years, and before that, I spent 13 years in real estate. There is genuinely no question I haven't heard and no such thing as a silly one when it comes to your biggest financial decision.

Drop your question in the comments below or send me a message if you'd prefer to keep it private, and then every fortnight I'll pick a question and answer it in a post.

Whether you're years away from buying or ready to go right now, if there's something you've always wanted to know about mortgages, home loans or the property process in New Zealand, this is your chance to ask someone who actually knows.

15/07/2026

A huge congratulations to Ethan Shields, who has won our $200 fuel voucher giveaway! 🎉

Ethan came to us as a new client during our promotion period, and we were so thrilled to be part of his property journey. 🏡

Thank you to everyone who got in touch during the promotion. If you missed out this time, don't worry; the best prize is still available. A stress-free mortgage sorted by someone who genuinely cares about your outcome.