Personalised Mortgages - Jash Chandra

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Personalised Mortgages - Jash Chandra, Financial Consultant, 161D Marua Road, Mount Wellington, Auckland.

Mortgage Adviser, Personalised Mortgages: Specialist in the Residential Property Market (First Home Buyers, Construction, Refinancing & Investment Property), Commercial Property and Business purchases.

26/10/2026

Found a place you love at an open home? Here's what lets you act on it: pre-approval.

Pre-approval means a lender has looked at your income, spending and deposit and agreed in principle how much they'll lend. It usually comes with conditions, like a valuation on the home you choose.

With it, you can:
• Search in the right price range
• Make an offer with confidence
• Move quickly when a seller wants an answer

With Labour Weekend behind us and summer on the way, now's a good time to get it sorted.

Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

21/10/2026

The Reserve Bank announces its next OCR decision (Wednesday 28 October) at 2pm. Do you know when your fixed rate ends?

That date matters more than the headline.

If you're on floating, OCR changes usually flow through fast. After the September rise, the big banks passed the full increase onto floating rates within days.

If you're fixed, nothing changes until your term ends. But tomorrow's decision can shape the rates on offer when you refix.

So take 30 seconds today: open your banking app and find your fixed rate expiry date. If it's within the next six months, that's your cue to start planning.

Want help making a plan? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

19/10/2026

Myth: you need a 20% deposit to buy your first home.

Twenty percent is the standard. But it's not the only way in.

Two options first-home buyers often don't know about:

1. Kāinga Ora First Home Loan. You can buy with a 5% deposit through participating banks and lenders, if you meet the criteria.
2. Low-deposit bank lending. Since 1 December 2025, banks can lend up to 25% of their new owner-occupier loans to people with less than a 20% deposit.

Both come with conditions, and a low-deposit loan may cost a bit more. But '20% or nothing' isn't the rule.

Not sure which option you'd fit? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

General advice only.

14/10/2026

Quick check: is any of your mortgage sitting on floating right now?

After the OCR rise on 2 September, the big banks moved their floating rates to between 6.29% and 6.39% (NZ Adviser).

Compare that with the lowest one-year fixed special from a main bank: 4.95% (Opes Partners, 25 September 2026).

On a $300,000 floating balance, a gap of about 1.3% works out to roughly $4,000 a year in extra interest (simple estimate).

Floating still has its place. It's handy if you want to make lump-sum repayments or you're planning to sell. But if it's just where your loan landed by default, it's worth a look.

Rates as at 25 September 2026 and subject to change. General advice only.

Want us to check your setup? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

12/10/2026

They had a 10% deposit and were sure they'd have to wait another two years.

(Illustrative example, based on situations we see often.)

Sam and Aroha were renting in Hamilton, saving hard, and kept hearing 'you need 20%'. So they stopped looking.

Here's the thing. Since 1 December 2025, the Reserve Bank lets banks lend up to 25% of their new owner-occupier loans to people with less than a 20% deposit.

Once they knew that, the plan changed. They combined their KiwiSaver withdrawals with their savings, got pre-approved, and started going to open homes with a real budget.

Low-deposit loans can come with a higher rate or a fee, so it pays to compare.

Wondering if your deposit is enough? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

07/10/2026

Planning to use your KiwiSaver for your first home? Check this before you start house-hunting.

𝗔 𝗳𝗲𝘄 𝗿𝘂𝗹𝗲𝘀 𝗰𝗮𝘁𝗰𝗵 𝗽𝗲𝗼𝗽𝗹𝗲 𝗼𝘂𝘁 (𝗞ā𝗶𝗻𝗴𝗮 𝗢𝗿𝗮):
• You generally need to have been a KiwiSaver member for at least 3 years.
• At least $1,000 has to stay in your account.
• You must intend to live in the home. It can't be used to buy an investment property.
• The money is paid to your lawyer on or before settlement day.

That last one matters. Your lawyer and your lender need to know the funds are coming, so start the application early.

Your first step? Ask your KiwiSaver provider for your current withdrawable balance. Then you'll know your real deposit number.

Want to know what that deposit could buy? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

05/10/2026

Here's something you don't hear often: right now, buyers have the upper hand.

There were 27,306 homes for sale across NZ at the end of August. That's above the five-year average of 26,192 (Cotality, via NZ Adviser).

More choice means less pressure. LJ Ho**er says buyers may have more flexibility on price, settlement terms or contract conditions, depending on the property and the seller.

So if you're buying your first home this spring, you don't have to rush. You can take your time with building reports, open homes and suburb research, and still have room to negotiate.

The one thing that makes you a strong buyer? Having your finance sorted before you fall for a place.

Want to know what you could borrow? Visit personalisedmortgages.co.nz/contact-us/ to book a chat.

23/09/2026

𝐒𝐩𝐫𝐢𝐧𝐠 𝐥𝐢𝐬𝐭𝐢𝐧𝐠𝐬 𝐚𝐫𝐞 𝐬𝐭𝐢𝐥𝐥 𝐜𝐥𝐢𝐦𝐛𝐢𝐧𝐠 - over 33,000 properties were on the market at the end of July, and more are coming. The buyers who'll move fastest through the busiest weeks ahead are 𝐭𝐡𝐞 𝐨𝐧𝐞𝐬 𝐰𝐡𝐨 𝐠𝐞𝐭 𝐩𝐫𝐞-𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 𝐬𝐨𝐫𝐭𝐞𝐝 𝐧𝐨𝐰, before they've even found 'the one'.

If you've been meaning to start, this is the week to do it. Pre-approval doesn't commit you to anything - it just means you're ready the moment you are.

Book a no-obligation chat and let's get you sorted before the rush.

21/09/2026

𝗡𝗲𝗿𝘃𝗼𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗳𝗶𝗿𝘀𝘁 𝗰𝗵𝗮𝘁 𝘄𝗶𝘁𝗵 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗱𝘃𝗶𝘀𝗼𝗿? 𝗛𝗲𝗿𝗲'𝘀 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀.

No forms to fill out before we even talk. No obligation, no pressure, no jargon test. 𝗪𝗲 𝗮𝘀𝗸 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻 - income, savings, what you're hoping to buy and when - and 𝘄𝗲 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝗵𝗼𝗻𝗲𝘀𝘁𝗹𝘆 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂 𝘀𝘁𝗮𝗻𝗱, 𝗶𝗻𝗰𝗹𝘂𝗱𝗶𝗻𝗴 𝗶𝗳 𝗻𝗼𝘄 𝗶𝘀𝗻'𝘁 𝗾𝘂𝗶𝘁𝗲 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝘁𝗶𝗺𝗲 𝘆𝗲𝘁.

Most people who put off that first conversation are picturing something more formal than it actually is. It's just a conversation, usually 20-30 minutes, and you walk away knowing more than you did before you called.

If you've been meaning to reach out but keep putting it off, this is your sign.

16/09/2026

𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗽𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹? Have these five things ready and you'll move a lot faster:

𝟏. Last three months of bank statements (all accounts). 𝗪𝗲 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗲𝘀𝗲 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿.
𝟐. Proof of income - payslips, or if self-employed, 𝘄𝗲'𝗹𝗹 𝘁𝗮𝗹𝗸 𝘆𝗼𝘂 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘄𝗵𝗮𝘁'𝘀 𝗻𝗲𝗲𝗱𝗲𝗱
𝟑. ID - passport or driver's licence
𝟒. Proof of your deposit source (savings, KiwiSaver, gift letter if it applies)
𝟓. A list of any other debt - car loans, credit cards, buy-now-pay-later

Get these together and send them our way - we'll take it from there.

Address

161D Marua Road, Mount Wellington
Auckland
1051

Telephone

+642102473893

Website

https://personalisedmortgages.co.nz/jash-chandra/

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