Mortgage & Insurance New Zealand Limited

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Mortgage & Insurance New Zealand Limited A financial advice provider that offers advice on your mortgage, home loan and insurances

A brokerage firm offering advice, personalised mortgage, home loan, insurance & KiwiSaver solutions for New Zealanders. We get paid invariably by the lender or insurer - you end up with great advice and great products and have a great broker working with you helping you achieve your needs & objectives.

21/10/2026

Think you need a massive $140,000 deposit saved before looking at open homes in Hamilton?

While a 20% deposit is the standard banking benchmark, Reserve Bank lending rules allow trading banks to approve owner-occupier loans with just a 10% deposit. On Hamilton’s first-home median price of $700,000 in suburbs like Nawton, Dinsdale, and Chartwell, that drops your savings target to $70,000.

For two 27-year-olds working full-time since age 20, that deposit is often already sitting combined across their KiwiSaver accounts.

Buying with less than 20% does involve a Low Equity Margin (LEM), but our role as advisers is to structure your mortgage to pay down principal and eliminate that extra fee as fast as possible.

Find out where your borrowing power stands at zero broker cost to you. Link in bio!

19/10/2026

Running a business in Hamilton and hitting a brick wall with bank mortgage calculators?
Automated bank algorithms struggle with shareholder salaries, depreciation add-backs, and company structures.
Andre specialises in manual lending applications for Waikato contractors and business owners—at zero cost to you.
🔗 Book a free 30-minute lending consultation via the link in bio.

18/10/2026

Planning a spring house hunt in Hamilton?
Here is a critical timeline tip:Processing a KiwiSaver first home withdrawal takes at least two weeks through your KiwiSaver scheme provider.
Never sign an unconditional purchase agreement without confirming your deposit release date first!
🔗 Explore our full guide at mortgageandinsurance.co.nz/kiwi-saver/

16/10/2026

Weekends in the Waikato should be spent enjoying our local spots, not losing sleep over interest rate headlines and bank paperwork.

Setting up a smart loan structure with split fixed rates and offset accounts lets your everyday cash work for you while you enjoy your downtime.

Have a restful weekend, Waikato! 🌿

14/10/2026

Worried the RBNZ Debt-to-Income (DTI) caps will halt your home buying plans.
While bank algorithms cap standard borrowing at 6x gross household income, new builds and First Home Loans are 100% exempt . Don't let an online bank calculator make the decision for you.
🔗 Read our latest October market breakdown or book a free 30-min review via the link in bio.

13/10/2026

Think you need a massive 20% deposit to get onto the Hamilton property ladder? Think again.

Government-backed First Home Loans allow eligible buyers to purchase with just a 5% deposit. Mainstream bank calculators often say no, but Andre manually structures your application for an approval—at zero cost to you.

🔗 Check your eligibility at the link in bio or visit mortgageandinsurance.co.nz/first-home-buyer/

06/10/2026

Is your fixed mortgage rate coming up for renewal soon?

Don't just hit "accept" on whatever rate your bank offers on app rollover day. We negotiate refixing options across multiple lenders to make sure you get competitive terms — completely free of charge.

👉 Head to the link in our bio to request a quick mortgage check before you refix.

03/10/2026

Sundays are for enjoying the Waikato, not stressing over interest rates or bank paperwork.

Let Andre handle the bank negotiations over a coffee so you can focus on your weekend. We work for you, not the banks, and our service is 100% free.

👉 Click the link in our bio to book a quick 30-minute chat for this coming week.

02/10/2026

Mainstream banks don't always understand how small business income works.

If non-standard earnings or complex accounts are holding your home loan back, we know how to package your business earnings so the lenders see the full picture. Best of all, our advice costs you zero.

👉 Tap the link in our bio to get your mortgage approved without the hassle.

01/10/2026

Think you need a 20% deposit to buy your first home in Hamilton? Not always.

First home buyers can often enter the Waikato property market with as little as 5% down using low-deposit lending options or a KiwiSaver first home withdrawal. We take care of the paperwork and negotiate with lenders at zero cost to you.

👉 Hit the link in our bio to check your options or request a free callback.

Address

103 Huntington Drive
Hamilton
3210

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm
Saturday 10am - 5pm
Sunday 11am - 3pm

Telephone

+64 7 855 9868

Website

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