Trish Smith - Loan Market Mortgage Adviser

Trish Smith - Loan Market Mortgage Adviser Providing easy to understand advice and supporting my clients in achieving their financial goals.

There’s nothing wrong with a bit of property window shopping, but spending your Saturdays touring open homes without kno...
18/06/2026

There’s nothing wrong with a bit of property window shopping, but spending your Saturdays touring open homes without knowing your actual budget gets old quickly.

Getting a pre-approval changes the entire dynamic of your search. It shifts you from a casual observer to a serious buyer, giving you the confidence to talk numbers and making your offers carry real weight with agents and sellers.

In New Zealand, a pre-approval typically lasts for three months, giving you a solid, stress-free window to find the right property and act quickly when it pops up.

Want to see where your numbers sit right now? Check out our Borrowing Power Calculator and see what's possible. 👇 📲

https://adviser.loanmarket.co.nz/universal/tools-help/borrowing-power-calculator/

18/06/2026

Waiting to buy can feel like the safe option, but it can actually cost you more.

Bank economists predict 2-5% house price growth for 2026.

Let’s say house prices increase just 5% in a year.
On an $800k property, that’s another $40,000 you now need to find.
Meanwhile, most people’s savings don’t grow anywhere near that fast.

So while you’re waiting to feel ‘ready, the goalpost might actually be moving further away.

Sometimes the biggest risk isn’t buying, it’s waiting.
🏠

Setting up your mortgage and never reviewing it is a lot like paying for a gym membership you haven’t used since 2023.It...
16/06/2026

Setting up your mortgage and never reviewing it is a lot like paying for a gym membership you haven’t used since 2023.

It’s incredibly easy to set-and-forget your home loan. But the market moves quickly, and a structure or interest rate that made sense a few years ago might be costing you today.

Running a quick health check on your current loan isn't about starting over. It’s simply checking if another structure can give you better flexibility, optimise your repayments, or let you use your equity to your advantage.

Let's brush the dust off your current setup. Get in touch to run an obligation-free review of your numbers.

It’s official! 📣 Loan Market Midpoint has been named one of New Zealand's Best Mortgage Brokerage Firms! 🏆🇳🇿Out of dozen...
14/06/2026

It’s official! 📣 Loan Market Midpoint has been named one of New Zealand's Best Mortgage Brokerage Firms! 🏆🇳🇿

Out of dozens of nominees nationwide, our team was selected based on our performance, efficiency, and dedication to getting tough deals across the finish line for our clients.

Navigating DTIs, servicing buffers, and bank policies is what we do best. If you want an award-winning team in your corner for your next property move, you know who to call! 😉

14/06/2026

If you're trying to buy your first home in NZ right now, I know your head is probably spinning.
On one hand, house prices are relatively flat. On the other hand, banks are starting to nudge interest rates back up. So, do you jump in now before rates climb further, or wait it out?

Here is the reality check: trying to time the perfect market is a trap.

If you find a house you love, and you can comfortably stress-test your budget at a 6% or 7% interest rate... the best time to buy is when you are ready.

Remember: you are buying a home to live in, not a stock to trade.

So when the right house matches a budget you can comfortably afford, that is your perfect timing.

Your feedback means the world to us! Thank you so much to everyone who takes the time to share their experience. 📝✨Looki...
14/06/2026

Your feedback means the world to us! Thank you so much to everyone who takes the time to share their experience. 📝✨

Looking for a reliable partner to help you navigate your finance options?

Get in touch for a chat today! ☎️

Whether you're looking to upsize into a bigger family home or downsize into something smaller, you might be sitting on m...
12/06/2026

Whether you're looking to upsize into a bigger family home or downsize into something smaller, you might be sitting on more options than you realise.

The equity you’ve built up in your current property has quietly become your biggest asset and can give you real flexibility when planning your next move.

We can help you figure out exactly how much usable equity you have and how to unlock it strategically. Send us a DM. 💬

Trying to buy a home on a single income can feel like trying to ride a tandem bicycle by yourself. It takes a lot of dri...
10/06/2026

Trying to buy a home on a single income can feel like trying to ride a tandem bicycle by yourself. It takes a lot of drive, but solo Kiwi buyers are making it happen.

When you’re flying solo, getting an approval comes down to a few clever, tactical strategies that help maximise your position in the eyes of a lender.

You don't have to pedal a tandem bike alone. Send us a message and let's run the numbers on your position to make it happen.

Many first-home buyers think they need a standard 20% deposit to get on the property ladder, but the reality is that you...
08/06/2026

Many first-home buyers think they need a standard 20% deposit to get on the property ladder, but the reality is that you might not actually need to save that much.

There are a few pathways available that let first-home buyers secure a property with a much lower deposit. Depending on your situation, you could be looking at options anywhere from 5% to 10%.

Whether you combine your KiwiSaver withdrawal, personal savings, or even family support, your property goals can suddenly get fast-tracked.

Keep in mind that banks factor a Low Equity Margin (LEM) into your rate for lower deposits, and every lender has completely different rules for navigating it.

You don't have to tackle those criteria alone. Connect with us for a chat and let’s see what options are open to you.

https://adviser.loanmarket.co.nz/universal/products-services/first-home-buyers/

Staring at your banking app trying to guess where interest rates are heading next? You’re definitely not alone.If your f...
04/06/2026

Staring at your banking app trying to guess where interest rates are heading next? You’re definitely not alone.

If your fixed rate is coming up for renewal over the next few months, it's natural to have a few questions about what the current lending landscape looks like.

Getting a head start simply gives you time to look at the options with clarity before your deadline arrives. If your fixed term is winding down, let’s connect for a no-obligation chat.

Address

North West Shopping Centre 1/7 Fred Taylor Drive, Massey Westgate
Auckland
0814

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+64225112733

Website

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