Reina Heng-Mortgage/Financial Adviser

17/11/2025

  Choosing a mortgage can feel like you’re in an escape room. The clock is ticking, the pressure is on, and you’re faced with a critical […]

17/11/2025

It was my great honour to be invited as a guest speaker at the First Home Buyer Seminar last Wednesday. As a Senior Mortgage Adviser/Financial Adviser, I loved having the opportunity to walk everyone through the home loan journey and share insights that can help make their first-home dreams a reality. 🏡✨

A huge thank-you to the team for such an amazing evening — the energy in the room was incredible, and it was truly inspiring to connect with so many motivated and passionate people. 🙏💛

From left to right:
👉 Nu Tamarai — Senior Licensed Auctioneer & Real Estate Agent, whose expertise and leadership always light up the room
👉 Barbara Davey — Senior Registered Legal Executive at Wakefield’s Lawyers
👉 Samantha Wood — Senior Solicitor at Wakefield’s Lawyers
👉 Reina (myself) — Senior Financial Adviser / Mortgage Adviser
👉 Ivan Wong Kee — Senior Licensed Real Estate Agent, a true professional dedicated to helping clients achieve their property goals

Grateful for these collaborations, grateful for the community, and excited for what’s ahead. 💼✨

30/05/2025

📉 IF OCR drops to 2.5% – What’s the impact?

If you're a homeowner or planning to become one, this is big news! 👇

🏡 Homeowners – Lower interest rates could mean reduced repayments if you're on a floating rate or about to refix. Time to check if your loan still fits?

🔑 Buyers – A lower OCR boosts affordability and borrowing power. That first home (or next one) might be closer than you think.

❓Could 1-year fixed rates drop to 3%? It depends on many factors, so Will see.....
📲 Thinking about buying or refixing? Let’s chat – the right advice now could save you thousands.

Home loan costs set to fall as Reserve Bank hints at future cuts.

VIA OneRoof

30/05/2025

If the Official Cash Rate (OCR) drops to 2.5%, it means the Reserve Bank of New Zealand (RBNZ) is lowering the benchmark interest rate that influences borrowing and lending across the economy. Here's what that typically means:

1. Cheaper Borrowing
Mortgage rates, business loans, and other interest rates often fall.

Homeowners with floating-rate mortgages or those refixing may benefit from lower repayments.

2. Stimulus for the Economy
Lower rates are designed to encourage spending and investment by making borrowing cheaper and saving less attractive.

It’s a sign the RBNZ is trying to boost economic activity, possibly due to slower growth, low inflation, or global uncertainty.

3. Impact on Savers
Deposit interest rates will also likely decrease.

This could reduce returns for term deposit holders and retirees relying on interest income.

4. Potential Housing Market Effect
Lower interest rates may increase housing demand, possibly leading to rising house prices, especially if supply remains tight.

Home loan costs set to fall as Reserve Bank hints at future cuts.

VIA OneRoof

28/05/2025

Great news for homeowners! 🏡

28/05/2025

"Mortgage Rates May Fall – Here’s What You Should Know"

📉 OCR Drops to 3.25% – What It Means for Your Mortgage 🏡
The Reserve Bank has just cut the Official Cash Rate by 0.25%. Some lenders have already lowered rates — and others may soon follow.

✅ Potential for lower repayments
✅ Great time to refix or refinance
✅ Not all banks will pass on the full cut

Now’s the perfect time to check if your home loan’s still working for you. Let’s review your options — I’m here to help. 💬
📧 [email protected] | 📱 021 2 456 246

Call now to connect with business.

15/06/2022

"I don't think we're falling into some massive hole over the next few years. I think eventually the Fed will get hold of inflation," Gorman said.

15/06/2022