Sukhi - Your Mortgage Mate

10/09/2026

09/09/2026

The Great Bank Switch is happening across NZ right now 🏦

Thousands of Kiwis are refinancing their mortgages - and here's why:

📉 Better rates from new lenders
💰 Cashback offers (0.5% to 1.5% of loan)
🔄 Debt consolidation opportunities
🏗️ Better loan structure

33% of NZ mortgages are repricing by March 2026. Loyalty rarely gets you the best deal - new customers get the perks!

Are you missing out?

Swipe to see the trend 👉

Save this 📌 and DM me for a FREE refinance review.

Educational only. Lending criteria, fees, rates, and suitability checks apply.

08/09/2026

07/09/2026

06/09/2026

04/09/2026

LVR Rules Explained - How much deposit do you actually need in 2026? 🏡

Most Kiwis don't know these updated rules:

📊 Owner-Occupier: 20% standard
📊 Investor: 30-35% deposit
📊 First Home Loan: 5% possible (Kāinga Ora)
📊 New Build: Exempt from LVR rules

Big update from December 2025:
Banks can now lend UP TO 25% of new lending to buyers with less than 20% deposit!

More flexibility. More options. Better opportunities.

Swipe for the full breakdown 👉

Save this 📌 and DM me for a FREE consultation.

Educational only. Lending criteria, fees, rates, and suitability checks apply.

02/09/2026

The OCR has increased by 0.25% to 2.75% — but that doesn’t mean every fixed mortgage rate will rise by the same amount.

If you’re refixing, buying or refinancing, look beyond the headline and choose a loan structure that suits your situation.

📩 Message Kiwi Lending for a quick mortgage review.

General information only. Rates and lending criteria can change. Terms and conditions apply.

FirstHomeBuyerNZ

02/09/2026

Bank said no? You may still have options worth exploring 🏡

Here are 5 signs non-bank lending could be right for you:

1️⃣ Bank has declined you despite stable income
2️⃣ You're self-employed with less than 2 years financials
3️⃣ Past credit issues now recovered
4️⃣ Complex financial situation with multiple income sources
5️⃣ Property purchase cannot wait for main bank

Remember: Non-bank is a PATHWAY, not a destination.

Use it strategically with a clear exit plan back to a main bank.

Save this 📌 and DM me for a FREE confidential review.

Educational only. Lending criteria, fees, rates, and suitability checks apply.

01/09/2026