Key Mortgages

07/10/2026

Sometimes the best financial relationships start with a chance meeting!

An impromptu chat on the snowfields of Mt Ruapehu grew into one of our trusted Adviser – Customer relationships. Getting to know our clients and providing quality personalised service can achieve a great loan outcome!

If you love our Maunga, Turoa has season passes on sale till 11th oct.. Hope you see you there!

263 Google 5-star reviews show how we can help, and we’d love to help you too! Check us out - www.keymortgages.co.nz; https://www.facebook.com/keymortgages.nz

04/10/2026

Rates are on the way up again! – What are your options?

Talk to us for the latest rates trends and free advice!

Our point of difference is that we do what the Banks don’t, we want to help you:

• Understand the latest rates and trends
• Help you select the best rate options for you
• Optimise your loan structure to suit your future goals

ANZ's economists are essentially forecasting a period of higher mortgage rates, and a peak OCR of 3.5%.

Northland and several regions are holding well with some slight increases in property values. We’re seeing a lot of enquiry from clients from Australia now also (their OCR is currently 4.6%)

261 Google 5-star reviews show how we can help, and we’d love to help you too! Check us out - www.keymortgages.co.nz; https://www.facebook.com/keymortgages.nz

Sales fall across every region as buyers retreat from rising rates

15/09/2026

Well, hello. We're Key Mortgages.
We’ve decided it’s time to give you a little more insight into who we are, what we do, and how we help people navigate the world of home lending.
Based in Whangārei and serving clients across Northland and beyond, we help make the mortgage process easier to understand.. Whether you’re:
🏡 Buying your first home
🔑 Moving to your next home
💰 Refinancing or restructuring
🏗️ Building or renovating
💼 Self-employed or running a business
📈 Looking at a more complex lending situation
We know that no two lending situations are the same.
Sometimes it’s about finding the right interest rate or best cash back.
Sometimes it’s about structuring lending properly.
And sometimes it’s about finding a way forward when the obvious option doesn’t quite fit.
That’s where good advice matters - The best advice is Key 🗝️
Over the coming weeks, we’ll be sharing:
💡 Practical mortgage tips
📊 Lending and property insights
🏠 Real-life client success stories
🔎 Behind-the-scenes looks at mortgage broking
💬 Things lenders look at that borrower’s may not realise
📚 Helpful information for buyers, homeowners, and investors
And, of course, a little bit of Key Mortgages personality along the way!
If you're buying, refinancing, building, investing.. Or simply want to understand the mortgage world a little better: follow our page and come along for the journey.
We’re looking forward to connecting with you. 😊

Photo: We achieved our latest goal, so the boss rewarded us with a very yummy lunch out. 😋So, there you have it… bribes definitely do work! 😂😉
A great way to celebrate the team effort and another goal ticked off the list. 🥳

14/09/2026

🌸Spring is here🌸And what better way to celebrate than with these beautiful flowers from our wonderful clients. 💐✨ "Thanks for being such a star team!! We really appreciate all your hard work"
Rachel & Mike

29/08/2026

Well worth wet walk around the Hātea Loop today...
Give it all tomorrow, mighty Taniwhas 💙

09/08/2026

Its a great time to buy!

Residential listings on Realestate.co.nz hit 33,252 at the end of July — up 9.3% on the same time last year. It's the highest level recorded for July since 2014, according to interest.co.nz.

Talk to us today if you would like to know how much you could borrow to buy your first home, upgrade your existing, or buy an investment property. Call Jeremy on 021470403 or Sheryn on 0278470807

Mortgage advisers have a buyer-friendly market to work with this spring. Property inventory is at its highest mid-winter level in more than a decade – and prices are still falling

21/07/2026

Jeremy & Evie have done a great job collecting and donating over 100kg of citrus for the The Whangarei Lions Club's "Citrus for the South" campaign.

This is an annual winter initiative where Northlanders donate excess citrus to be transported for free by Mainfreight to South Island communities, including Christchurch, Dunedin, and Clyde. All up the club was able to package up over 320 banana boxes of fruit, a total of approximately 6 tonne!

Thanks to everyone who supported this amazing local initiative, and good on ya Jezza!!!

09/07/2026

Wishing our Northland neighbour's, and the rest of New Zealand a relaxing Matariki weekend.

Northlanders can mark Matariki with art, music, food and stargazing events.

01/07/2026

Rate watch..
Banks have been quietly rejigging their fixed rates over the last 10 days, ahead of the OCR call on 8 July.

Interestingly economists have picked at least two more OCR increases this year, but that's not what we've seen played out.

Short term rates have crept up a smidgen while longer term rates have actually come down, which points to swap rates driving these moves more than the OCR itself.

If you're thinking about fixing soon, which term you pick matters more than usual at the moment. We're keen to see how the banks react once the OCR call lands on the 8th.

Are you floating or fixed right now? Drop a comment, always interesting to see what everyone's doing 😎

ASB, ANZ, and Westpac send mixed rate signals ahead of July's OCR call

12/05/2026

Proud moment for our Northland team at Key Mortgages 🎉

We’re incredibly excited to share that we’ve been nominated for two Kiwi Adviser Network Awards:
- Outstanding Advice Business (1 - 5 Years)
- Finalist - Outstanding Mortgage Adviser (Regional)

Bit late sharing this news (much at all) - been absolutely bum up, flat stick lately - and now holding our breath to see who takes out the win 👀 but to be recognized as one of the top 5 finalists amongst fastest growing aggregator 800+ reputable advisers across NZ is something we’re hugely proud of.

Massive thank you to our clients, referral partners, friends and supporters for the trust, reviews, repeat business and referrals. We genuinely wouldn’t be here without you 🙌