Sukhi - Your Mortgage Mate

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

31/08/2026

31/08/2026

28/08/2026

OCR up, but mortgage rates don’t always follow. 👀 One lender is offering a floating rate around 4.59%.

Compare the market, not just the OCR.

Rates, lending criteria, terms and conditions apply.

28/08/2026

First home buyers - the market is giving you more BREATHING SPACE! 🏡

📊 What the market is showing right now:
✅ Properties taking 50 days to sell
✅ Inventory UP 9.3% vs last year
✅ Less pressure to rush into decisions

This is YOUR opportunity to get finance sorted properly!

Here's what to do NOW:
🔹 Get pre-approved BEFORE the right property comes up
🔹 A pre-approval helps your offer stand out
🔹 Gives you confidence when negotiating

Take advantage of this window - it won't last forever.

DM Kiwi Lending or request a callback for a FREE pre-approval chat 📩

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

MortgageAdviserNZ HomeLoansNZ NZRealEstate NewZealandRealEstate NZHomeBuyers KiwiHomes NZPropertyMarket NZHousingMarket PreApproval FirstHomeGuide PropertyEducation NZHomes BuyingPropertyNZ MortgageBrokerNZ FinancialAdviceNZ PropertyMarket2026 MortgageTipsNZ HomeOwnershipNZ KiwiLending SukhiYourMortgageMate

27/08/2026