Trish Smith - Loan Market Mortgage Adviser

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

The end of the year is creeping up, and it’s not worth limping across the finish line because of unreliable equipment.Ne...
20/10/2026

The end of the year is creeping up, and it’s not worth limping across the finish line because of unreliable equipment.

New machinery or updated tech could help you finish strong with less hassle, and we are here to make it happen.

Ask us about fast financing for your business that doesn’t drain your cash flow. You’ll be cruising into the new year in no time.
https://adviser.loanmarket.co.nz/universal/products-services/commercial-and-business-loans/

Managing a car loan, a credit card, and a couple of buy now pay later accounts isn't multitasking. It is juggling repaym...
18/10/2026

Managing a car loan, a credit card, and a couple of buy now pay later accounts isn't multitasking. It is juggling repayments and potentially paying more interest than you need to be.

If you want to see if you could simplify your finances and save money with debt consolidation, reach out to our for a chat.

Saving a 20% deposit is often the biggest hurdle facing first home buyers, but it isn't the only way onto the property l...
15/10/2026

Saving a 20% deposit is often the biggest hurdle facing first home buyers, but it isn't the only way onto the property ladder.

Between lower-deposit options like the 5% First Home Loan Scheme and housing affordability returning to long-term averages across the country, getting into your first home might be closer than you think.

Ahead of the upcoming general election, there are also ongoing discussions around potential policy changes that could open up eligibility to even more first home buyers.

Our latest blog breaks down how recent market shifts impact your buying power right now and what these options could mean for your future plans.

👉 Read the full blog here:
https://adviser.loanmarket.co.nz/universal//blog/first-home-buyers-may-not-need-a-20-deposit/

When you go direct to a bank, you only get the home loan products that single bank wants to offer you and once the paper...
12/10/2026

When you go direct to a bank, you only get the home loan products that single bank wants to offer you and once the paperwork is signed, you are left on your own.

A mortgage adviser works differently. We look across the market to find the right solution for you today, and we stay in your corner as interest rates change, fixed terms roll over, and your long-term financial goals evolve.

You deserve more than an off-the-shelf transaction. You deserve a partner by your side for the long haul.

Ready to get a mortgage adviser in your corner? Send us a message to get started.

Decoding financial jargon across generations. 💬From Gen Z slang to Baby Boomer terminology, here is how different age gr...
08/10/2026

Decoding financial jargon across generations. 💬

From Gen Z slang to Baby Boomer terminology, here is how different age groups break down the loan-to-value ratio.

Swipe through to see how your cohort translates LVR.

It's easy to put your mortgage on set-and-forget, especially when life gets busy.Finding out what yours could actually b...
04/10/2026

It's easy to put your mortgage on set-and-forget, especially when life gets busy.

Finding out what yours could actually be doing for you is where things get interesting. We can help you explore refinancing to a new lender to secure better terms, take advantage of cashback incentives, or lower your repayments.

With access to 30+ banks and lenders, you won't be left guessing which option is right for you.

Reach out for a no-obligation chat to make sure you aren't losing interest. 💡 🏠
https://adviser.loanmarket.co.nz/universal/products-services/refinancing/

Let's settle this once and for all, your $6.50 daily coffee isn't why buying a home feels out of reach.So enjoy your fla...
01/10/2026

Let's settle this once and for all, your $6.50 daily coffee isn't why buying a home feels out of reach.

So enjoy your flat white, your matcha, your long black, whatever gets you through the morning.

We won't judge, and neither should anyone else.

Happy International Coffee Day! ☕

Putting a little extra towards your mortgage does far more heavy lifting than it looks like on paper. Every dollar paid ...
27/09/2026

Putting a little extra towards your mortgage does far more heavy lifting than it looks like on paper. Every dollar paid above your minimum balance directly reduces the principal, meaning the bank charges you less interest over time.

Want to know what extra repayments could actually save you? We can run the numbers.

24/09/2026

Your repayment isn't just about the interest rate. Let's break down what also affects your numbers.

⏳ Loan Term
Longer terms lower regular repayments but raise total interest costs over time. Shorter terms do the opposite!

💰 Repayment Type
Principal and interest pays down your loan balance. Interest-only lowers short-term payments without shrinking your debt.

🔒 Fixed vs. Floating Rates
Fixed rates give you predictability, while floating rates allow maximum flexibility for offset structures or lump-sum payments.

💵 Extra Repayments and Offset
Small additional payments or keeping savings in an offset account directly reduce the balance you get charged interest on.

⚖️ Loan to Value Ratio (LVR)
If your deposit is under 20%, lenders usually charge a Low Equity Margin or fee until your equity builds up.

All these factors work together. Let’s chat about what is right for you. DM us if you want to crunch some numbers. 📊

✈️ BE IN TO WIN AN AIR NEW ZEALAND MYSTERY BREAK (VALUED AT OVER $1,700)! To enter the draw, all you need to do is boo...
22/09/2026

✈️ BE IN TO WIN AN AIR NEW ZEALAND MYSTERY BREAK (VALUED AT OVER $1,700)!

To enter the draw, all you need to do is book a free review of your Mortgage or KiwiSaver during the month of September.

Whether you're looking to:

✅ Review your mortgage repayments or structure your loan better
✅ Refinance or unlock equity for home improvements
✅ Make sure your KiwiSaver is performing at its best for your long-term goals
..you get expert advice for free, plus a chance to win return flights, 2 nights' accommodation, transport, and travel insurance!

👉 How to enter: Send me a message or click the link below to enter your details to book in your review before September ends!

https://docs.google.com/forms/d/e/1FAIpQLSdTNhMKPLMnvDz5XYZtUmedtVsmfoBRSbD2xAhV3jPYZT3uNg/viewform

Terms and Conditions apply. NZ Financial Services Group Limited (FSP28565)

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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