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Trish Smith - Loan Market Mortgage Adviser

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Trish Smith - Loan Market Mortgage Adviser

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Providing easy to understand advice and supporting my clients in achieving their financial goals.

29/10/2026

Saving smart and staying ahead of the game. Cheers to those proactively keeping their finances in check.

If this isn’t you, no worries at all. Keeping an eye on your mortgage and making sure your structure stays competitive is what we are here for.

Reach out anytime if you want us to take a look at your setup.
https://adviser.loanmarket.co.nz/universal/about-us/trish-smith

28/10/2026

The Reserve Bank has kept the Official Cash Rate on hold at 2.75% this afternoon.

After a series of rate shifts, a hold brings a period of stability, but it affects everyone in the property and lending market differently.

Whether you are managing floating rates, preparing for an upcoming fixed rate expiry, or looking at how this impacts your borrowing capacity for your next purchase, having a clear plan in place is key.

Want to discuss what this latest decision means for your specific future plans? Get in touch today to start the conversation.

25/10/2026

Happy Labour Day!

We hope you are enjoying the long weekend and got some well-deserved time off.

If taking a breather at home brought up a few new plans, like tackling a spring renovation, making upgrades around home, or planning your next move, we are here to help sort the finance.

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/

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.

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/

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.

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.

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/

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! ☕

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

https://adviser.loanmarket.co.nz/universal/about-us/trish-smith

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