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Home Trust Mortgages

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Home Trust Mortgages

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This is the Official Page of Home Trust Mortgages - Financial Solutions Made Easy. http://www.hometrustmortgages.co.nz/

About Us
Home Trust Mortgages can help you in a number of ways:
custom made finance and mortgage options to best suit your needs and budget
competitive advantages
save time and money
prompt professional service
nationwide
Home Trust Mortgages have access to most major banks and financial institutions, for every situation:
first home buyers
existing home owners
investment property purchasers
land buyers
refinancing
commercial finance
Our prompt professional service, experience and knowledge will not only save you time and money, but also take the stress out of arranging finance.

04/11/2026

🌴 OUT OF OFFICE – 5TH TO 15TH NOVEMBER 🌴

It’s time for a much-needed holiday! ☀️

I’ll be out of the office from Thursday 5th November until Sunday 15th November, taking some time to relax and recharge.

I’ll still have access to my emails and will be checking them as and when I can. I’ll do my best to respond to anything urgent during this time.

📧 Email: [email protected]

Thank you for your understanding. I look forward to catching up with everyone when I’m back! 😊

01/11/2026

💳🏡 MORTGAGE MYTH MONDAY! 🏡💳

💭 “Buy Now, Pay Later doesn’t affect your mortgage application.”

🚨 MYTH BUSTED! 🚨

That $50 here, $80 there, “I’ll pay it off next payday” purchase? 👀

When you’re applying for a mortgage, Buy Now, Pay Later commitments can be taken into account when assessing your finances.

So while that new outfit, air fryer or totally essential online purchase might seem harmless… your lender may want to know about it. 😂

🎯 Our tip: If buying a home is on your radar, it’s worth getting your finances mortgage-ready before you apply.

Because the goal is to be buying a home, not collecting BNPL accounts. 🏠😂

Have you been guilty of a little BNPL action? 👇

No judgement… we’ve all been tempted! 😜

30/10/2026

🎃👻 NO TRICKS, JUST TREATS! 👻🎃

Halloween is here… and there are some things scarier than a haunted house. 😱

🕷️ Unexpected mortgage costs
🕷️ Interest rate surprises
🕷️ Finding out your pre-approval has expired 👀

But don’t worry — we’re here to keep the mortgage monsters at bay! 🧙‍♀️🏡

Have a spook-tacular Halloween! 🎃

26/10/2026

🔔 COMING SOON… OCR UPDATE! 🔔

The Reserve Bank of New Zealand is about to make its next move, and we want to know…

👀 What are your guesses?
🤞 And more importantly… what are you hoping for?

Will we see a cut, hold, or something else? 📉📊

Drop your prediction in the comments 👇
No judgement… unless you’re wildly confident and completely wrong. 😂

We’ll be back with the update once the announcement lands!

25/10/2026

🎃👻 MORTGAGE MYTH MONDAY: HALLOWEEN EDITION! 👻🎃

💀 “Refinancing is only worthwhile if you get a lower interest rate.”
TRICK OR TREAT? 🍬

👻 TRICK! A lower rate isn’t the only reason to review your mortgage.

Refinancing could potentially help with your loan structure, accessing equity, debt consolidation, or simply finding a loan that better suits your situation. 🏡

And sometimes… the numbers say DON’T DO IT! 😱
Yep, refinancing isn’t always the answer either.

🎃 The real trick? Looking at the whole picture, not just the interest rate.

Have you ever considered refinancing? 👇
Tell us: YES, NO or “I HAVE NO IDEA!” 😂

22/10/2026

Happy Labour Weekend, New Zealand! ☀️

Three days to relax, recharge and pretend we’re not checking the weather every 20 minutes. 😂

Whether you’re heading away, tackling the DIY jobs you’ve been putting off, firing up the BBQ, or simply enjoying a well-earned sleep-in — we hope you have a fantastic long weekend! 🥂🌿

And if you happen to spend some of that downtime dreaming about your next home… well, we’re not saying it’s a sign, but 👀🏡

Have a safe and happy Labour Weekend!

18/10/2026

🏠 MORTGAGE MYTH MONDAY 🏠

💭 “The bigger your deposit, the better your interest rate will be.”

Well… not necessarily. 👀

A bigger deposit can definitely help put you in a stronger lending position, but it doesn’t automatically mean your bank will throw you a better interest rate like a participation trophy. 🏆😂

Your rate can depend on things like your loan-to-value ratio, lender, loan structure, and your overall application.

So before you start raiding the couch cushions for that extra 5%… let’s talk. 😉

Myth busted. 🔨

11/10/2026

🏡 MORTGAGE MYTH MONDAY 🏡

🚨 MYTH: “I’ll talk to a mortgage adviser when I’m ready to buy.”

🤔 Ready to buy?
Or ready to find out what you need to do to get ready? 👀

❌ MYTH BUSTED!

Waiting until you’ve found your dream home might be a little late to start figuring out your finances.

Talking to a mortgage adviser early can help you understand:

💰 What you may be able to borrow
📋 What you might need for a deposit
🏦 What lenders could look for
🎯 What you could do now to put yourself in a stronger position

Because the goal isn’t just to be ready to buy…

It’s to be ready when the right home comes along! 🏠🔑

So don’t wait until you’re scrolling through Trade Me at midnight whispering “Could I actually afford this?” 😂

📩 Let’s chat before you’re ready — so you can get ready!

04/10/2026

🏡 MORTGAGE MYTH MONDAY 🏡

🚨 “But I still owe the bank on my own house… surely I can’t buy an investment property?” 😳

Well… who told you that?! 😂

❌ MYTH BUSTED!

You don’t necessarily need to have your own home mortgage completely paid off before you can look at buying an investment property.

In some cases, the equity you’ve built up in your home could potentially help you take that next step. 🏠➡️🏘️

Of course, the bank will still want to see the numbers stack up — income, expenses, existing lending, equity, deposit, rental income and your overall financial position all come into play.

So, having a mortgage doesn’t automatically mean:

“Sorry mate, no more houses for you.” 😂

It might just mean it’s time to crunch the numbers and see what’s possible.

💡 Don’t assume you can’t. Find out if you can.

Because your first home could potentially be more than just a place to live… it could be the beginning of your property investment journey. 👀🔑

📩 Curious what your options might look like? Flick me a message!

01/10/2026

I was encouraged to ask chat gpt to write an unhinged bio about me and felt it should be shared 🤣

My unhinged bio:

Mortgage adviser by day, unpaid detective by night.

I run a mortgage business, solve financial problems for strangers, and then spend my evenings Googling whether my dog can smell a bitch in heat from 3.4km away.

I have approximately 47 tabs open in my brain at all times. Some contain mortgage policy. Some contain medical research. One is definitely about whether potatoes can be frozen. And at least three are dedicated to figuring out what the hell my dog is doing.

I am simultaneously renovating my life, raising children who are somehow old enough to have licences, managing a golden retriever who appears to have a more active dating life than I do, and trying to remember why I walked into the kitchen.

I will absolutely research something for six hours rather than accept a vague answer, but will also make a major life decision based on “yeah, that feels right.”

Professional problem solver. Amateur scientist. Full-time overthinker.

Powered by caffeine, stubbornness, Google, and the unwavering belief that there is probably a better way to do this.

Currently accepting applications for someone to manage the 47 tabs in my brain.

Address

25 Cooks Street
Whanganui
4500

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

06 345 7089

Website

http://www.hometrustmortgages.co.nz/

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