Laura Lincoln - Mortgage Mentor

19/02/2026

The bank said the economy was at an early stage in its recovery.

29/01/2026

Will the OCR keep falling, plateau.. or is a rise coming? 🤔

Sure, the OCR & interest rates matter, but they’re not the whole story when it comes to your mortgage.

The real win? Having someone in your corner who knows their stuff, so you can focus on what really counts. Nothing beats that 'OMG I paid it off early' moment.

14/01/2026

Did you know most Kiwis spend decades stuck in the same mortgage cycle without realizing there’s a faster way?

Before I started my career in Financial Services, I did what many Kiwis do. I bought a home, fixed my interest rates every couple of years, and repeated the process. Once I learned how to become financially free faster, it frustrated me that I had never been taught by my bank or broker smarter ways to pay off a mortgage.

This is why I’m so passionate about helping others!

As a Mortgage Mentor, I help homeowners cut years off their mortgage without getting stuck in the “fix it and repeat” 30-year trap. I work alongside you, meeting every year to make sure you stay on track to financial freedom, without making huge sacrifices to your lifestyle.

If you want to find out more, please message me or email me at [email protected] 😊

11/01/2026

Came back to work after the Christmas break to a lovely email from Tema and Alison 🥰

"We are extremely grateful and thankful to Laura for her support in helping us achieve our dreams. From dreams to reality she helped us along the way and really made our first home buying experience seem too easy. Laura was always available to answer all our questions and worked around our busy schedule and helped explain the buying process. We are absolutely thrilled to have a payment plan that not only aims to pay off the mortgage more quickly but also allows us to maintain our current lifestyle without any sacrifices"

🥰🥰🥰

Thank you for the beautiful feedback!

01/01/2026

Happy new year!!
Wishing everyone a happy and healthy 2026 ❣️🎉

Happy New Year, NZ!

2026 is here – and we’re looking forward to helping more Kiwis achieve their goals. Whether it’s paying off your home faster or making your money work smarter, we’re here for it.

Let’s get ahead together.

19/12/2025

Wrapping up the last day of work and heading into the Christmas break. Wishing you all a safe and merry Christmas!🎄🤍

26/11/2025

OCR cut to 2.25% !! 😍😍😍
The lowest is has been since 2016!

Do you think this is the bottom, or do you think we may see another drop next February? 🤔

24/11/2025

OCR Alert!

Will it shift from 2.50% to 2.25%? Many economists are picking a 25-basis point cut but nothing’s certain until the call is made!

But what does it mean?

The OCR helps set interest rates, which can influence your mortgage repayments and borrowing costs. If you’re wondering what this means for your home loan, send me a message! I am here to help ☺️

04/11/2025

Had the pleasure of meeting Darren Pratley yesterday.
After almost 6 years in the finance industry, it’s clear that the learning never stops. Growth both professionally and personally is the foundation of continued success.

Every day is a new opportunity to evolve and get better at what we do!

28/10/2025

Is your fixed rate about to expire? STOP and review your options!
Don’t fall into the “lock it in and repeat for 30 years” trap!

Interest rates are dropping which means more cash flow and more breathing room. But fixing your rate at a lower interest rate doesn’t automatically mean financial freedom faster.

There’s a smarter way to structure your loan and pay it off sooner without getting stuck in the 30-year cycle.

Let’s chat about how to make your mortgage work for you!

01/10/2025

Think owning a home is out of reach? Think again.
With the KO First Home Loan, you could buy your first home with as little as 5% deposit! 🏡

- Backed by Kāinga Ora
- Designed for first-home buyers
- Helping more Kiwis get into homes

Message me to find out more. I’m here to help 😊