Natalie Hughes - Mortgage Adviser

19/08/2025

🌿 A New Chapter 🌿

When I became a mum of my youngest daughter now 3, I retrained as a mortgage adviser because I wanted a career that offered flexibility around family life. In those early days, I was often up through the night with a newborn and, in the same hours, studying, learning, and building experience. It wasn’t easy managing sleepless nights and solo parenting, but it gave me resilience and a deep empathy for other families navigating big financial decisions.

Over the past few years I’ve learned so much in this industry, and I’ve been blessed to work alongside supportive people at different points in my journey. Most recently, I’ve returned as self-employed with Vega, who have been extremely supportive, but the nature of self-employment doesn’t currently meet my financial needs as a solo parent.

So, for now, I’ll be stepping away from my career as a mortgage adviser and moving back into part time employment. It’s a bittersweet decision — I love this work and the clients I’ve served, but my priority is providing stability for my family.

This journey has shown me how important it is to have genuine support for parents, especially women, in balancing professional and family commitments. It’s a conversation I care deeply about and hope to contribute to more in the future.

Thank you to everyone who has supported me along the way — clients, colleagues, mentors, and friends. 💜

Here’s to new beginnings, and to finding opportunities where family and career can thrive together.

27/02/2025

What a Wonderful Women’s Day!

Celebrating with a beautiful luncheon at Hilton’s Fish restaurant, overlooking the stunning coastal vistas of Auckland, alongside these amazingly talented, influential, and intelligent women who are shaping the future of finance.

As more women gain financial influence globally, the need for women in roles providing financial advice—or industry-related roles—has never been greater. Women bring a unique set of skills to financial advisory roles. We excel in building trust, active listening, and nurturing long-term client relationships—skills that resonate deeply with the growing market of women who are building and managing significant wealth. Female advisers understand the nuances of their financial journeys, offering guidance that goes beyond numbers to truly align with life goals.

Equally powerful is the networking and collaboration among women in finance, creating a supportive community that lifts and empowers each other. By sharing insights and opportunities, women are paving the way for future female leaders.

By embracing these influential roles and supporting one another, women in finance are empowering clients and shaping a dynamic, inclusive financial landscape.

27/11/2024

Breaking News: The Reserve Bank of New Zealand Cuts OCR by 50 basis points! Just the news we were waiting for and hoping to expect.

The Reserve Bank of New Zealand has officially reduced the Official Cash Rate (OCR) by 50 basis points, taking it from 4.75% to 4.25%.

What does this mean for you? Lower interest rates could create opportunities whether you are:

🏡 Planning to purchase a property
📈 Leveraging equity for an investment property
🔄 Refinancing your current mortgage
💳 Comparing your interest rate for better options

Now is the perfect time to review your financial situation and see how this change could benefit you.

Let’s chat about how you can make the most of this rate cut!

The Reserve Bank has cut the OCR and will soon outline forecasts for the year ahead.

15/11/2024

Are we coming to the end of the cost of living crisis? Jarrod Kerr and Mary Jo Vergara share their insights, and are looking ahead to the coming year on how…

18/10/2024

Big congratulations to my client, Neil, on purchasing his first home! 🎉🏡 It’s been a rewarding journey working together to make his dream a reality, and I’m so proud of what we’ve achieved. Securing a first home as a single applicant is no small feat, and it’s a privilege to have helped you through this process. Thank you for choosing me as your trusted adviser.

Wishing you all the best in your new home! 🏡

10/10/2024

Navigating the Changing Interest Rate Landscape

The interest rate market has and is shifting, and this could be great news for your property ownership goals! With rates falling and lenders easing affordability assessments, it’s a prime time to reassess your financial situation.

What This Means for You:
Interest Rate Renewals: If you’re up for renewal, you might secure a lower rate, reducing your monthly payments or assess if you qualify for a cash back. It’s a chance to reassess your mortgage options.
Debt Consolidation: Lower rates make it easier to consolidate existing debts, simplifying your finances and freeing up cash for savings or investments.
Buying Property: If you’re looking to buy a new home or investment property, lower interest rates and test rates can help you qualify more easily.
Property Cycle Opportunities: We’re in a favorable stage of the property cycle. This could be an ideal time to invest or expand your portfolio for long-term gains.

Curious about how these changes impact you? Whether renewing, consolidating debt, or buying, I’m here to help you navigate these opportunities.
Don’t miss your chance to take control of your financial future!

Let’s Talk!

09/10/2024

Exciting News for Home Buyers, Investors and Home owners!

The Reserve Bank of New Zealand has just announced this afternoon a reduction in the Official Cash Rate (OCR) to 4.75%, down 50 basis points!

This is a fantastic opportunity for first home buyers to step into the market and for investors looking to maximize their returns. Lower interest rates mean more affordable mortgages and a chance to secure your dream home or investment property!

If you’re looking to buy your first home, refinance or refix your existing mortgage, or expand your investment portfolio, now is the time to act with many lenders dropping their interest rate offerings.

✅ Reach out to me today to explore your options and make the most of this favorable change! Let’s turn your property dreams into reality! 🏡💰

01/10/2024

Need a strategy? Let’s look at the interest savings together. Reach out for a look at your options

Tip of the Month: when interest rates decrease, you keep your mortgage repayments at the same level. This means that you can pay off your principal quicker and forms a buffer for when the interest rates increase in the future.

Not everyone can keep paying the same amount, and that’s okay! The most important thing is to find a way that works best for you.

Contact us
📞 0800 834 253 or fill out the request form on our website:
vegalend.co.nz/vega-home-loans-made-easy

28/09/2024

📚✨ Proud to give back to the community!

I am thrilled to sponsor Thames South School and support these awesome kids as they learn, grow, and reach their full potential. Education is the foundation of our future, and investing in it means investing in brighter tomorrows.

It’s an honor to contribute to the development of these young minds, and our local community.

26/09/2024

Mortgage Rate Cuts Ahead: Time to Take Action!

With the RBNZ set to potentially cut rates even further, now is the perfect time to reassess your mortgage options. The current landscape shows fixed mortgage rates as low as 5.69% over 4-5 years. But remember, the lowest rate isn’t always the right choice for everyone.

As a mortgage adviser, I can help you navigate these upcoming rate changes, tailor the best solution to your unique financial situation, and even explore strategies to pay off your mortgage faster.

Ready to discuss your options? Reach out today for personalised advice!

📞 029 7703516
📧 [email protected]

20/09/2024

What a perfect time to consider buying your first home! With bank interest rates and test rates dropping, and with affordability and affordability lending criteria improving. Plus, there's a wide range of properties available in a buyer's market, making it an ideal opportunity for first home buyers!

Credit to realestate.co.nz for their article below and statistics.
https://lnkd.in/gbFzs5PG

If you’re a first home buyer and want to see if you’re close to achieving your homeownership goals, or if you previously didn’t meet the criteria, I’m here to help! Don’t hesitate to reach out today—let’s explore your options and take the first steps together!

[email protected]
0297703516