Willie Leota of Ethos Mortgages

31/07/2025

The Ethos monthly newsletter came out today! It provides a quick update on the market and helpful tips on how to get ahead with your money 👏🏽
Send us your name and email and we’ll add you to the community 😊
Happy Friday!

28/07/2025

Thank goodness for this 🙏🏽 Not until next year, but better late than never 🤔

Using my eftpos card to save on merchant fees sounds intense with convenience being king.

But I’d rather have that surcharge money invested or used to reduce debt!

If you add up all the surcharges you’ve paid in the last year, you’d be shocked! 😮

The Government will ban most of the surcharges that shops can add at payment machines.

15/07/2025

NEW EPISODE OUT NOW: Dom Harvey - Behind the Mic

We talk career pivots, finding your why, health and wealth!

Dom also shares honest thoughts on how he’s handled money over the years, the good, the bad, and the lessons learned.

Available now on 🟢Spotify, 🍎Apple Podcasts and 📺YouTube!

Episode proudly sponsored by Willie Leota of Ethos Mortgages

01/07/2025

“Are you the guy from the podcast about money?” fair comment, yes I am that guy!😂 But I’m actually a mortgage adviser as well!

Which is when I get “so you can help me buy my first home?”, Yes I would love to!!!

Helping first-home buyers is a huge passion of mine and I’ve helped hundreds of families into their first home.

For many of us, owning a home isn’t just about property. It’s about pride, freedom, and rewriting our family story.

So yes — I might also be a podcaster. But I’m really in the business of helping people come home.

If you are looking to purchase your first or next home, then please reach out. Send me a message or book straight into my calendar - link in bio

*People have also mistaken me for , don’t worry uso, I definitely did NOT say I was an All Black 😁😆😆 But when I was in the UK, I can’t confirm or deny that I said yes it’s me...

03/03/2025

Exciting News: We've Launched Ethos Mortgages!🚀🏡

I’m super excited to share that I’ve started Ethos Mortgages —a business focused on making the mortgage process simple, clear, and stress-free!

Whether you're buying your first home, investing, or refinancing, our goal is to provide straightforward, expert advice tailored to your needs. Mortgages can feel complicated, but with the right guidance, they don’t have to be.

If you’re thinking about your next property move, let’s have a chat. I’d love to help. Book a time in my calendar for a home loan consultation - see link in bio!

14/03/2024

It's always great to share the home buying process with first home buyers!!

Thanks to everyone who came down to Te Ara Atea (Rolleston Library) to learn and ask questions.

I'm so stoked to be able to help those who are taking their first steps into home ownership - Lets goo!

Willie
0211559615

20/02/2024

One conversation... Is all it took to see the potential for Leov, Kylie, and their whānau to achieve their first home dream!

Like many first-time buyers, they felt unsure if they could get on the property market.

The jargon, legal processes, and deadlines can feel overwhelming.

But that's where open communication comes in!

Their decision to get in touch and chat was the key!!!

After discussing their goals and financial situation, I knew with the right guidance, it was possible.

It took courage to reach out, and seeing them happily settled in their own home is just amazing!

Wishing Leov, Kylie, and their whānau all the happiness and blessings in their new chapter!

P.S. Are you considering buying your first home? Don't hesitate to reach out for a chat!

Let's see if we can make your dream a reality. Book an appointment here https://ethosmortgages.co.nz/book/

[email protected]
0211559615

18/02/2024

Did someone say 5% deposit???

Yes, you read that correctly!

BNZ are now looking at home loan applications for those with ONLY a 5% deposit!!

There are definitely some terms and conditions to this offer, so get in touch to understand in more detail! These offers tend to have time frames on them so get in touch asap :)

0211559615

[email protected]

Please share with anyone you think needs to see this 👍 😊

Blessings

Willie Leota - Mortgage Adviser

29/01/2024

Knowledge is power! So if you know someone who needs to know the below, tag them and share some knowledge/power with them!

Phase 1: A pre-approved home loan is like having a golden ticket to your dream home.

It's a letter from the bank that confirms how much you can borrow, making your home search a lot easier.

Talk to your mortgage broker ( lol ) or your bank to get one sorted!

Here's why you need one:

Exact Price Range: With a pre-approved loan, you'll know your exact budget. No more guessing or falling in love with homes that are out of reach.

Confidence Booster: It boosts your confidence in the competitive real estate market. You can confidently make offers, knowing you have the financial backing from the bank.

Phase 2: There are quite a few options for you when it comes to finding that home...

Am I looking to build a home or an existing home?

If it's a new build, is it turnkey or a construction loan? (Whats the difference??)

The type of property or land is a consideration as well...

If it's an existing home there are multiple ways to purchase: Price by negotiation, deadline sale, auction...

This is normally when a lawyer is engaged to review the legal contracts you will be signing for them to provide advice.

So many things to think of but you should talk to your... if you need guidance

Phase 3: Yay - settling your home

This is the fun part!

When all the money changes hands you will be the legal owner of your own home!!

Before this date, you need to make sure you have your kiwisaver withdrawal sorted, insurances (super important to have both house and life insurances), signed your loan documents for the home loan and pre-inspections of the house done.

Settlement date is the key date here! Your lawyer, and , will be all over this to ensure the right amount of money is available to pay for your new home!

And that's it! Congratulations you are a homeowner!!

If you got this far, give yourself a hi five and like this post!!

Blessings
Willie

17/01/2024

Super proud of these guys!! What a journey!!

From navigating the intricacies of home buying to facing build delays and rising costs, Bailey and Savannah have experienced it all!

While it wasn't all plain sailing due to covid, after making a plan and being able to pivot, we got there.

Now they get to sit back and relax and enjoy their own slice of paradise! (Apart from the landscaping they are doing now of course)

Cheers to them and to the joy that comes with home ownership! Congrats!