Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # The Mortgage Girls Unlocking Your Future ## Sitemaps - [XML Sitemap](https://www.themortgagegirls.co.nz/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://www.themortgagegirls.co.nz/blog/) - Expert mortgage blog with home loan advice, financing tips, refinancing insights, and guidance to help you make smarter property decisions. - [First-Time Investor](https://www.themortgagegirls.co.nz/the-mortgage-girls-first-time-investor/) - A strong investment property is about more than just the price. Think tenant appeal, including… ✔ Proximity to schools ✔ Access to public transport ✔ Nearby shops and amenities ✔ Practical layouts and low maintenance The easier a property is to rent, the stronger your long-term return. New to investing? The Mortgage Girls is here - [The Mortgage Girls are with you wherever you need us! ](https://www.themortgagegirls.co.nz/wherever-you-need-us/) - The Mortgage Girls are with you wherever you need us! We're help property buyers nationwide, and with phone calls, email or Facetime, we can meet you almost anywhere, anytime. If you're buying your first home, an investment or building new, we've got you! Get in touch today to book a virtual catch up with one - [Happy 10-year anniversary to us!! 🥂🍾](https://www.themortgagegirls.co.nz/happy-10-year-anniversary-to-us/) - Happy 10-year anniversary to us!! The Mortgage Girls team celebrated a DECADE of making clients’ home buying dreams come true recently with a once-in-a-lifetime experience and an incredible weekend. Big thanks to the teams at Annandale Coastal Farm Escape & Luxury Villa Collection, Vorteke Waka and Christchurch Helicopters Ltd for helping us celebrate! And another - [Lender Leaving You in the Lurch?](https://www.themortgagegirls.co.nz/lender-leaving-you-in-the-lurch/) - Just found out your lender is pulling out of home lending? Don’t stress—The Mortgage Girls can help you find a fast, seamless refinancing solution that suits your needs! Whether you have two years or twenty left on your home loan, our friendly, professional advisers are committed to helping you reach your financial goals—while keeping you - [The Real Solutions Business Podcast featuring Elyce and Holly](https://www.themortgagegirls.co.nz/the-real-solutions-business-podcast-featuring-elyce-and-holly/) - Curious about how it all started, and how it's going? (Spoiler... amazing! )Head on over to the latest episode of The Real Solutions Business Podcast, where Holly and Elyce chat with Brad McDonald of Godfreys Law about our amazing team and why we love what we do! https://open.spotify.com/episode/48MNS4UJ49IsAlVQ3qccNr - [Introducing NEW Debt-to-income (DTI) restrictions residential lending](https://www.themortgagegirls.co.nz/new-debt-to-income-dti-restrictions/) - Debt-to-income (DTI) restrictions and loosening loan to value ratios (LVR) for residential lending The Reserve bank has now confirmed from the 1st July 2024 they are activating new Debt-to-income (DTI) restrictions and loosening loan to value ratios (LVR) for residential lending. Learn more here. DTIs and LVRs might sound like a jargony jumble of letters, but - [Can I purchase a home with less the 20% deposit in New Zealand?](https://www.themortgagegirls.co.nz/can-i-purchase-a-home-with-less-the-20-deposit-in-new-zealand/) - Can You Purchase A Home In New Zealand With Less Than 20% Deposit? The answer is YES, we have helped many of our clients into their first home with as little as 5% deposit!! On a purchase price of $450,000 that’s $22,500!! On a purchase price of $450,000 that’s $22,500!! You will be surprised how - [Helping everyday kiwi's just like YOU into homes since ages ago!](https://www.themortgagegirls.co.nz/mortgage-advisers/) - We love nothing more then helping dreams come true and helping our customers into homes! Whether you are a first home buyer or looking to invest we can help! - [Home Finance Calculators Suite](https://www.themortgagegirls.co.nz/home-finance-calculators-suite/) - Home Finance Calculators Suite . Exciting news! . The Mortgage Girls have just updated our website to include a new suite of custom built calculators! Using our industry knowledge to help you with your goals! . The check out the full suite of calculators CLICK HERE . The new suite includes; . Home Deposit Savings - [Beth's personal story and feedback](https://www.themortgagegirls.co.nz/beths-personal-story/) - Beth's personal story and feedback about the importance of having experts on your side in mortgages & insurance. We love receiving feedback from our clients! We can not thank Beth enough for taking the time to share her personal experience and journey to date with The Mortgage Girls and Imsure. Beth's personal story and feedback - [Budgeting for your new home](https://www.themortgagegirls.co.nz/budgeting-for-your-new-home-3/) - Budgeting for your new home. How will my budget look once I have purchased a home? It's a pretty exciting and daunting process purchasing a home for the first time! In saying this preparation is key to know and understand how your budget will look once you have purchase a home. Your budget will change once - [Budgeting for your new home](https://www.themortgagegirls.co.nz/budgeting-for-your-new-home/) - Budgeting for your new home. How will my budget look once I have purchased a home? It's a pretty exciting and daunting process purchasing a home for the first time! In saying this preparation is key to know and understand how your budget will look once you have purchase a home. Your budget will change once - [Changes in the financial industry have happened, want to know how they could impact you and what to do to put yourself in the best position to purchase a home?](https://www.themortgagegirls.co.nz/cccfa-and-lending/) - The Credit Contracts and Consumer Finance Act 2003 (CCCFA), which governs banks, finance companies and lenders in New Zealand, has been significantly updated. There are now new requirements which come into effect on the 1st of December this year. All lenders are making the changes now so they can be ready for 1 December. Lenders - [Why you need to get a relationship agreement?](https://www.themortgagegirls.co.nz/why-you-need-to-get-a-relationship-agreement-2/) - Why you need to get a relationship agreement? So… your about to buy your first home or you already own a home and you’re in a relationship. You want to put in place a relationship agreement (also known as: contracting out agreement). A contracting out agreement can be made at any time: upon entering a - [Your parent(s) have said they want to help you into a home, but they are not quite sure how!](https://www.themortgagegirls.co.nz/your-parents-have-said-they-want-to-help-you-into-a-home-but-they-are-not-quite-sure-how/) - Often purchasing a home will be one of the largest purchases many of us will ever make. Sometimes family may be in a position to help you achieve this goal, however they are not quite sure how they can help, or what the options are. Personally, we love seeing families working together to achieve goals. - [The 9 Best Mortgage Brokers in Christchurch - Michelaé Reeve on the list!](https://www.themortgagegirls.co.nz/the-9-best-mortgage-brokers-in-christchurch-michelae-reeve-on-the-list/) - Top Reviews, New Zealand The 9 Best Mortgage Brokers in Christchurch Our very own Michelaé Reeve recognised as one of the Best Mortgage Brokers in Christchurch, check out the article here. To book an appointment with Mish simply click here. - [The Mortgage Girls in the first 5% to receive their Full Class 2 Financial Advice Provider Licence](https://www.themortgagegirls.co.nz/fully-licenced-financial-advice-provider/) - The Mortgage Girls have some exciting news! The Financial Markets Authority has approved our Full Class 2 Financial Advice Provider Licence! What is a Full Class 2 Financial Advice Provider Licence? Ok, that’s a really wordy announcement. So, what does it actually mean? Anyone offering advice to people on what they should or could do - [NZ Adviser - Regional Brokerage of the year 2021](https://www.themortgagegirls.co.nz/nz-adviser-regional-brokerage-of-the-year-2021/) - Regional Mortgage Brokerage of the year 2021 🤩 Do what you love, love what you do 💕 Read the full article here - [Thinking about building?](https://www.themortgagegirls.co.nz/thinking-about-building/) - Thinking about building? Which ever way you plan to build whether it be; A Turn Key Build A House and Land package Or a labour Only Build The Mortgage Girls can help guide you with the finance! Give us a free non-obligation call today 0800 864 864 and ask for our FREE finance for builds - [The Mortgage Girls - 2021 Regional Mortgage Brokerage of the Year](https://www.themortgagegirls.co.nz/the-mortgage-girls-2021-regional-mortgage-brokerage-of-the-year/) - The Mortgage Girls - 2021 Regional Mortgage Brokerage of the Year Words simply can no express how humbled The Mortgage Girls are with the recent awards revealed in the 2021 NZ Mortgage Awards 🏆 WINNER - The Mortgage Girls, Regional Mortgage Brokerage of the year 🌟 EXCELLENCE - The Mortgage Girls, Mortgage Brokerage of the - [We make buying houses easy!](https://www.themortgagegirls.co.nz/we-make-buying-houses-easy/) - We make buying houses easy! When lifes busy we make it easy for you! We can come to your home, local cafe, chat over the phone or ZOOM! Is now the time to start working on your future home ownership goals or the time to start putting plans in place? Give The Mortgage Girls a - [Merry Christmas from The Team at The Mortgage Girls](https://www.themortgagegirls.co.nz/merry-christmas-from-the-team-at-the-mortgage-girls/) - Wishing you all a Merry Christmas and a Happy New Year! 2020 Has been a rollercoaster, we do hope you have a lovely and relaxing festive season. Look forward to catching you all in 2021 The Mortgage Girls 0800 864 864 - [Digital Mortgage Adviser Services Avalablie at The Mortgage Girls](https://www.themortgagegirls.co.nz/digital-mortgage-adviser-services-avalablie-at-the-mortgage-girls/) - Digital Mortgage Adviser Services avalible at The Mortgage Girls Is life too busy to get to an office or local coffee shop to meet our team? Is now the time to start working on your future home ownership goals or the time to start putting plans in place? Give The Mortgage Girls a call today - [Budgeting for your new home](https://www.themortgagegirls.co.nz/budgeting-for-your-new-home-2/) - Budgeting for your new home. How will my budget look once I have purchased a home? It's a pretty exciting and daunting process purchasing a home for the first time! In saying this preparation is key to know and understand how your budget will look once you have purchase a home. Your budget will change once - [The Mortgage Girls are here to help](https://www.themortgagegirls.co.nz/the-mortgage-girls-are-here-to-help/) - The Mortgage Girls are here to help. We can catch up at a local cafe or digitally through FaceTime, ZOOM or otherwise Call Us Today 0800 864 864 or email info@themortgagegirls.co.nz We Can Help With The Following New Zealand Wide!! Hardship information and details Savings Planning for a First Home Deposits Home Lending for First - [What should I do when my fixed rate comes up for review?](https://www.themortgagegirls.co.nz/what-should-i-do-when-my-fixed-rate-comes-up-for-review-2/) - What should I do when my fixed interest rate comes up for review? Good question, one that many ask! With interest rates the lowest we have seen in over a decade is now the time to increase your repayments to future proof yourself? It is really important to think about how interest rates rising could - [We are here to chat "virtually"](https://www.themortgagegirls.co.nz/we-are-here-to-chat-virtually/) - We are here to chat "virtually" Worried about your home ownership goals? Things are moving fast in this new COVID-world so we want to assure you that The Team at The Mortgage Girls are here to chat. Banks, governments and advisers like us appreciate that this is a once-in-a-lifetime event and everyone is jumping in - [Digital Mortgage Adviser Services Avalible](https://www.themortgagegirls.co.nz/digital-mortgage-adviser-services-avalible/) - Digital Mortgage Adviser Services avalible at The Mortgage Girls Currently in isolation or even staying indoors? Is now the time to start working on your future home ownership goals or the time to start putting plans in place? Give The Mortgage Girls a call today 0800 864 864, alternativley jump straight into our online services - [Kiwisaver Balance Taken a Hit?](https://www.themortgagegirls.co.nz/kiwisaver-balance-taken-a-hit/) - Kiwisaver Balance Taken a Hit? Kiwisaver Investments are currently experiencing a sudden drop. This is as a result of global stock being extremely volatile at the moment due to Covid-19 and the uncertainty is presents to the global economy. This may affect your desired or current mortgage pre approval and therefore your ability to purchase - [Is your New Years Resolution to purchase a new home?](https://www.themortgagegirls.co.nz/is-your-new-years-resolution-to-purchase-a-new-home/) - Is your New Years Resolution to purchase a new home? Unsure where to start? Or what the next steps are from here? Give us a FREE non obligation call today 0800 864 864 At The Mortgage Girls we can have a FREE non-obligation chat to talk to your about your home finance goals for 2020! - [Want a Virtual Mortgage Broker to help you with your Mortgage Requirements?](https://www.themortgagegirls.co.nz/want-a-virtual-mortgage-broker-to-help-you-with-your-mortgage-requirements-2/) - Want a Virtual Mortgage Broker to help you with your Mortgage Requirements? Don't have time to get into an office? The Mortgage Girls will be able to help you out, we are happy to chat to anyone, anywhere in New Zealand! With technology today we have multiple ways we can communicate and help you with - [We get $$$$ done, too right!](https://www.themortgagegirls.co.nz/we-get-done-too-right/) - We get $$$$ done, too right! We love nothing more then helping you achieve your home buying goals. Talk to The Mortgage Girls today regarding purchasing your first home, investment property or building anywhere in New Zealand!! The Mortgage Girls have been helping to make dreams come true and have been helping their clients unlock - [That's Right Our Service is FREE to you!!!](https://www.themortgagegirls.co.nz/thats-right-our-service-is-free-to-you/) - That’s Right Our Service is FREE to you!!! Talk to The Mortgage Girls today regarding purchasing your first home anywhere in New Zealand !! The Mortgage Girls have been helping to make dreams come true and have been helping their clients unlock the doors to their first home , dream home and investment properties for years. How - [Want a Virtual Mortgage Broker to help you with your Mortgage Requirements?](https://www.themortgagegirls.co.nz/want-a-virtual-mortgage-broker-to-help-you-with-your-mortgage-requirements/) - Want a Virtual Mortgage Broker to help you with your Mortgage Requirements? Don't have time to get into an office? The Mortgage Girls will be able to help you out, we are happy to chat to anyone, anywhere in New Zealand! With technology today we have multiple ways we can communicate and help you with - [Wanting to build my first home, can I do it?](https://www.themortgagegirls.co.nz/wanting-to-build-my-first-home-can-i-do-it/) - Wanting to build my first home, can I do it? Thinking about building? Which ever way you plan to build whether it be; A Turn Key Build A House and Land package Or a labour Only Build The Mortgage Girls can help guide you with the finance! Give us a free non-obligation call today 0800 - [What should I do when my fixed rate comes up for review?](https://www.themortgagegirls.co.nz/what-should-i-do-when-my-fixed-rate-comes-up-for-review/) - What should I do when my fixed interest rate comes up for review? Good question, one that many ask. To start off with it’s really important to think about how interest rates rising could affect your budget, are you guaranteed future pay increases or do you plan to go down to one income in the - [Online anytime! Virtual Mortgage Brokers!](https://www.themortgagegirls.co.nz/online-anytime-virtual-mortgage-brokers/) - Want a Virtual Mortgage Broker to help you with your Mortgage Requirements? The Mortgage Girls will be able to help you out, we are happy to chat to anyone, anywhere in New Zealand! With technology today we have multiple ways we can communicate and help you with your dream of purchasing or building a home! - [Set Goals, that will get you out of the bed in the morning!](https://www.themortgagegirls.co.nz/set-goals-that-will-get-you-out-of-the-bed-in-the-morning/) - Set Goals, that will get you out of the bed in the morning! Did you know they say, your 80% more likely to achieve your goals if you write them down... Now just imagine what would your chances of achieving your goal be if you investigated, planned and set an action plan to achieve your - [How much should I offer, when negotiating to purchase a home?](https://www.themortgagegirls.co.nz/how-much-should-i-offer-when-negotiating-to-purchase-a-home-2/) - How much should I offer, when negotiating to purchase a home? This has to be the number one question we get asked by our clients. First things first, the advertised price usually indicates the vendors expectations, whether or not these match the market. Here’s some tips to help you when making an offer; Try talking - [Thinking about building a home?](https://www.themortgagegirls.co.nz/thinking-about-building-a-home/) - Thinking about building? Which ever way you plan to build whether it be; A Turn Key Build A House and Land package Or a labour Only Build The Mortgage Girls can help guide you with the finance! Give us a free non-obligation call today 0800 864 864 and ask for our FREE finance for builds - [If I purchase a home, what would my budget look like?](https://www.themortgagegirls.co.nz/if-i-purchase-a-home-what-would-my-budget-look-like/) - How will my budget look once I have purchased a home? It's a pretty exciting and daunting process purchasing a home for the first time! In saying this preparation is key to know and understand how your budget will look once you have purchase a home. Your budget will change once you have a new home, - [A Mortgage Girls Personal Experience building a home](https://www.themortgagegirls.co.nz/a-mortgage-girls-personal-experience-building-a-home/) - A Mortgage Girls, personal experience building a home. I was 23 when (with the help of my parents) I purchased land to build on. We had just had the September earthquake and the thought of buying a damaged house scared me! My parents were serial renovators and I had lived most of my life in - [What are my options, when structuring my mortgage?](https://www.themortgagegirls.co.nz/what-are-my-options-when-structuring-my-mortgage/) - What are my options, when structuring my mortgage? This blog is here to give you some ideas of different mortgage types to understand the different mortgages available in the market. All Mortgages are definitely not the same! When Looking at Mortgage In New Zealand the most common type you will hear of the P&I loan - [How much should I offer?](https://www.themortgagegirls.co.nz/how-much-should-i-offer-when-negotiating-to-purchase-a-home/) - How much should I offer, when negotiating to purchase a home? This has to be the number one question we get asked by our clients. First things first, the advertised price usually indicates the vendors expectations, whether or not these match the market. Here’s some tips to help you when making an offer; Try talking - [Are you a Kiwisaver First Chance or Second Chance Home Buyer?](https://www.themortgagegirls.co.nz/are-you-a-kiwisaver-first-chance-or-second-chance-home-buyer/) - Are you a Kiwi Saver First Chance or Second Chance Home Buyer? Want to know more about how Kiwi Saver could help you into your first home? Talk to The Mortgage Girls today! Give us a call today on 0800 864 864 we can offer a free non-obligation chat. Alternatively send us a message here. Kiwi - [Why should I use a Mortgage Broker, over a bank?](https://www.themortgagegirls.co.nz/use-mortgage-broker-bank/) - Why Should I choose to call the Mortgage Girls over a bank? Here’s Three Reason’s Too Choose a Mortgage Girl over a Bank; 1: We have your back 2: We make the whole process simple and easy to understand 3: We are a FREE service We have your back; We fight to - [World Heart Day](https://www.themortgagegirls.co.nz/world-heart-day/) - Small changes can make a big difference. This World Heart Day, we’re asking you to share how you power your heart and inspire millions of people around the world to be heart healthy. Cardiovascular disease (CVD), which includes heart disease and stroke, is the world’s number one killer. Each year, it’s responsible for 17.5 million - [SWAP for LIFE --- AUCTION TIME](https://www.themortgagegirls.co.nz/swap-life-auction-time/) - SWAP for LIFE The Mortgage Girls have come to the end of our SWAP for LIFE Fundraiser!! And now have 2 amazing gift vouchers to sell off, all proceeds* will be donated to Lifeline! AUCTION is on trademe CLICK HERE to bid now! Item 1 = $1000 Advertising Voucher for Giggle TV - This includes 3 months - [❤️ How The Mortgage Girls gave back in 2018 ❤️](https://www.themortgagegirls.co.nz/❤️-mortgage-girls-gave-back-2018-❤️/) - How The Mortgage Girls Helped Give Back in 2017! ❤ We completed over 350 hours community work supporting, mentoring and coaching Youth ❤ We fund raised over $2,000 for Life Line Aotearoa with our SWAP for LIFE campaign, a 24/7 helpline center for those in crisis. ❤ We made a small donation to Tyler from Team Warnock Racing, - [New Year, New Home! Call The Mortgage Girls Today!! 0800 864 864](https://www.themortgagegirls.co.nz/new-year-new-home-call-mortgage-girls-today-0800-864-864/) - New Year, New Home! Unsure where to start? Or what you need to do in order to purchase your first home? At The Mortgage Girls we can have a free non-obligation chat to talk to your about your first home options, even better we can help discuss your kiwi saver and home start grant options too! - [Feeling the Squeeze on your budget?](https://www.themortgagegirls.co.nz/feeling-squeeze-budget/) - Feeling the Squeeze on your budget? Do you feel like you are currently going nowhere with your budget, are your finances getting out of control? Have you thought about a debt consolidation loan? We may be able to help with a debt consolidation loan and review your current financial situation to see how it can - [Did you Say FREE???](https://www.themortgagegirls.co.nz/did-you-say-free/) - That’s Right Our Service is FREE to you!!! Talk to The Mortgage Girls today regarding purchasing your first home anywhere in New Zealand ??!! The Mortgage Girls have been helping to make dreams come true and have been helping their clients unlock the doors to their first home ? ?, dream home and investment properties for years. How - [How will my budget look once I have purchased a home?](https://www.themortgagegirls.co.nz/will-budget-look-purchased-home/) - How will my budget look once I have purchased a home? It's a pretty exciting and daunting process purchasing a home for the first time! In saying this preparation is key to know and understand how your budget will look once you have purchase a home. Your budget will change once you have a new home, - [What should I do when my fixed interest rate comes up for review?](https://www.themortgagegirls.co.nz/what-should-i-do-when-my-fixed-interest-rate-comes-up-for-review/) - What should I do when my fixed interest rate comes up for review? Good question, one that many ask. To start off with it’s really important to think about how interest rates rising could affect your budget, are you guaranteed future pay increases or do you plan to go down to one income in the - [Why you need to get a relationship agreement?](https://www.themortgagegirls.co.nz/why-you-need-to-get-a-relationship-agreement/) - Why you need to get a relationship agreement? So… your about to buy your first home, or your partner is just about to move into your home, or you have been in a relationship for under 3 years (current legislation)…. You need a relationship agreement (also known as: contracting out agreement). Now I know you’re - [SWAP FOR LIFE - August Update](https://www.themortgagegirls.co.nz/swap-life-august-update/) - ? SWAP FOR LIFE ? A couple of months back Elyce sadly lost a friend and a family member to suicide, because of this we decided that over 12 weeks The Mortgage Girls will fundraise to make some money for an amazing cause Lifeline. Starting with our very own Mortgage Girls Chopping board (a chopping board made - [Struggling to save a deposit for your first home?](https://www.themortgagegirls.co.nz/struggling-save-deposit-first-home/) - Struggling to save a Deposit?? Saving for a deposit can seem never ending, not knowing or understanding how much you require for a first home deposit can also put a damper on your plans. Having a target savings amount in place can help you get into your first home sooner. If purchasing a first home - [Your Virtual Mortgage Broker! Online Any Time!](https://www.themortgagegirls.co.nz/virtual-mortgage-broker-online-time/) - Want a virtual Mortgage Broker to hep you with your Mortgage Requirements? The Mortgage Girls will be able to help you out, we are happy to chat to anyone, anywhere in New Zealand! With technology today we have multiple was we can communicate and help you with your dream of purchasing a home! Ways to - [Mortgage Fixed Interest Rate up for Review?](https://www.themortgagegirls.co.nz/mortgage-fixed-interest-rate-review/) - What should I do when my fixed interest rate comes up? Good question, one that many ask. To start off with it’s really important to think about how interest rates rising could affect your budget, if you are guaranteed future pay increases or do you plan to go down to one income in the next - [SWAP for LIFE - Fundraiser by The Mortgage Girls for Lifeline](https://www.themortgagegirls.co.nz/swap-life-fundraiser-mortgage-girls-lifeline/) - ?SWAP for LIFE? Over the last month Elyce has sadly lost a friend and a family member to suicide. Because of this we have decided that over the next 12 weeks The Mortgage Girls are fundraising to make some money for an amazing cause >> Lifeline. Starting with our very own Mortgage Girls chopping board - [FIND US ALL OVER NEW ZEALAND](https://www.themortgagegirls.co.nz/find-us-new-zealand/) - FIND US ALL OVER -->> New Zealand ?? : Where are we now?? : We can Skype, talk to you on the Phone ☎️or email ?you anywhere in NZ anytime !! The Mortgage Girls Can Help You With The Following New Zealand Wide!! ?Savings Planning for a First Home Deposits ?Home Lending for First Home - [What should I do when my fixed rate review comes up?](https://www.themortgagegirls.co.nz/fixed-rate-review-comes-2/) - What should I do when my fixed interest rate comes up? Good question, one that many ask. To start off with it’s really important to think about how interest rates rising could affect your budget, if you are guaranteed future pay increases or do you plan to go down to one income in the next - [Want a Virtual Mortgage Broker to save you time?](https://www.themortgagegirls.co.nz/want-virtual-mortgage-broker-save-time/) - Want a virtual Mortgage Broker to hep you with your Mortgage Requirements? The Mortgage Girls will be able to help you out, we are happy to chat to anyone, anywhere in New Zealand! With technology today we have multiple was we can communicate and help you with your dream of purchasing a home! Ways to - [Wishing Everyone a Safe and Happy Easter](https://www.themortgagegirls.co.nz/wishing-everyone-safe-happy-easter/) - Wishing everyone a safe and happy Easter from the team @the_mortgage_girls_nz Hope you all have a great long weekend! #makingdreamscometrue #happyeaster#longweekend #nzrealestate #realestatenz#homebuyers #realestate #newzealand #nzwide#themortgagegirls #publicholiday#homesweethome #smallbusiness #newhome#firsthome - [How Can I Pay off my Home Loan Faster?](https://www.themortgagegirls.co.nz/how_can_i_pay_off_my_home_loan_faster/) - How can I pay off my home loan faster? Put simply in The Mortgage Girls Terms if you increase your current repayments you will reduce your debt faster. The more you pay and lump sum off your mortgage the faster you will decrease it. We truly believe it's important to structure your mortgage to suit - [Struggling to Save a Deposit?](https://www.themortgagegirls.co.nz/struggling-save-deposit-2/) - Struggling to save a Deposit?? Saving for a deposit can seem never ending, not knowing or understanding how much you require for a first home deposit can also put a damper on your plans. Making a personalized savings plan can help you achieve your goal faster! Having a target savings amount in place can help you - [Feeling the Squeeze on Your Budget?](https://www.themortgagegirls.co.nz/debt_consolidation/) - Feeling the Squeeze on your budget? Do you feel like you are currently going nowhere with your budget, are your finances getting out of control? Have you thought about a debt consolidation loan? We may be able to help with a debt consolidation loan and review your current financial situation to see how it can - [Elyce Maxwell - The Mortgage Girls - Mortgage Adviser](https://www.themortgagegirls.co.nz/elyce-maxwell-mortgage-girls-mortgage-adviser/) - Talk to Elyce today regarding purchasing your first home anywhere in New Zealand ??!! Elyce has been helping to make dreams come true and been helping her clients unlock the doors to their first home ? ?, dream home and investment properties for over five years! Elyce truly loves making her clients happy and her - [What should I do when my fixed rate review comes up?](https://www.themortgagegirls.co.nz/fixed-rate-review-comes/) - What should I do when my fixed interest rate comes up? Good question, one that many ask. To start off with it’s really important to think about how interest rates rising could affect your budget, if you are guaranteed future pay increases or do you plan to go down to one income in the next - [Three Reasons too Choose a Mortgage Girl over a Bank](https://www.themortgagegirls.co.nz/three-reasons-too-choose-a-mortgage-broker/) - Why Should I choose a Mortgage Girl? Here’s Three Reason’s Too Choose a Mortgage Girl over a Bank; 1: We have your back 2: We make the whole process simple and easy to understand 3: We are a FREE service We have your back; We fight to get the best bank package - [Have an Awesome Long Weekend from The Mortgage Girls!](https://www.themortgagegirls.co.nz/awesome-long-weekend-mortgage-girls/) - Happy Waitangi Weekend Stay safe and have an awesome long weekend from the team at The Mortgage Girls ! #longweekend #waitangi #mortgagebroker #mortgageadviser #lending #? #? #themortgagegirls #nz #beautifulnz #0800864864 - [Planning on Buying a Home?](https://www.themortgagegirls.co.nz/planning-buying-home/) - Planning on buying a home? The Mortgage Girls may be able to help guide you in the right direction and help you purchase a home, we love nothing more than helping our client’s dreams of owning a home ? come true! Give us a call on 0800 864 864 or email through the following link - [Stay Strong New Zealand - Kaikoura 7.5 Earthquake](https://www.themortgagegirls.co.nz/stay-strong-new-zealand-kaikoura-7-5-earthquake/) - Stay Strong New Zealand - Kaikoura 7.5 Earthquake Unfortunately Kaikoura in the South Island of New Zealand has been hit by a large earthquake, we are waiting to hear more details from civil defense to know the safety of those around the epicenter. We are thinking of your friends and family through this time, and - [The Mortgage Girls On The Road](https://www.themortgagegirls.co.nz/mortgage-girls-road/) - The Mortgage Girls On The Road, Nothing like a long weekend to travel the beautiful sights of New Zealand! The Mortgage Girls currently travel down south on a bi-monthly basis, and are happy to make appointments whilst around the South Island of New Zealand. This picture was taken at Lake Pukaki, Lake Tekapo, New Zealand. - [?The Mortgage Girls Christmas Giveaway ?](https://www.themortgagegirls.co.nz/🎄the-mortgage-girls-christmas-giveaway-🎄/) - ?The Mortgage Girls Christmas Giveaway ? Simply Like Our Facebook or Instagram Page, then tag a friend and go in the draw to win a $100 Farmers Gift Card!! ??? Facebook: https://www.facebook.com/yourmortgagegirls/ Instagram: https://www.instagram.com/the_mortgage_girls_nz/ Prize Drawn Tuesday December 20th to one lucky R18 New Zealand ?? based Winner! Contact us today for all your Lending - [Dream Big, Set Goals, Take Action!](https://www.themortgagegirls.co.nz/dream-big-set-goals-take-action/) - Dream Big! Set Goals! Take Action! Did you know they say if you write down your goals your 80% more likely to achieve them? Is purchasing a home a dream of yours? Keep reading to find out more! Yes that's right you can get into your first home with as little as 10% deposit through - [Lending Terms Glossary by The Mortgage Girls](https://www.themortgagegirls.co.nz/lending-terms-glossary-mortgage-girls/) - Tired of Mortgage Lending Terms? Are the Lending Terms and Jargon putting you off? The Mortgage Girls like to explain things in a way that is easy to understand in real terms! You don’t know what you don’t know, and we don’t expect you too. We are here to answer all your questions big and - [??The Mortgage Girls Wish You Very Merry Christmas ??](https://www.themortgagegirls.co.nz/🎄🎄the-mortgage-girls-wish-merry-christmas-🎄🎄/) - ??The Mortgage Girls Wish You Very Merry Christmas ?? How We Gave Back in 2016! ❤️ Over 150 hours community work supporting, mentoring and coaching youth ❤️ Elyce - Mortgage Adviser @ The Mortgage Girls kindly spent many hours sorting and helping Holly's Mum through her chemo ensuring she had support and friends around her - [The Mortgage Girls Wish You a Happy New Year](https://www.themortgagegirls.co.nz/mortgage-girls-wish-happy-new-year/) - The Mortgage Girls Wish You A Happy New Year!! We are back in action from January 16th, however in the meantime flick us a message we can start making appointments anytime! :):) We can help you with the following New Zealand wide! ? Home Lending ?? Investment Property Lending ? Business and Commercial Lending * - [News Years Resolution To Purchase A New Home](https://www.themortgagegirls.co.nz/purchase_a_new_home/) - Welcome to the New Year! Is Your News Years Resolution To Purchase A New Home? Time to set some goals and make some big plans! Why not start the year making a plan to save for your first home! We love nothing more than helping our customers achieve their goals of owning a home, below - [Helping Kiwis Just Like You Into Homes For Ages](https://www.themortgagegirls.co.nz/helping-kiwis-just-like-homes-ages/) - Our Business May Only Be A Year Old, However We Have Been Helping Kiwis Just Like YOU Get Into Homes For Ages!! 17 years in the industry to be exact!! We are truly excited to have done our first year in business and are very grateful for all of our awesome customers!! We love nothing - [Have A Great Weekend From The Mortgage Girls](https://www.themortgagegirls.co.nz/great-weekend-mortgage-girls/) - It's Almost That Time!! Hope You All Have A Great Weekend From The Team At The Mortgage Girls! Give The Mortgage Girls a Free Non-Obligation call today 0800 864 864 so we can chat about sending you on the right path towards your first home! Alternatively send your details through the following link; https://www.themortgagegirls.co.nz/contact/ We - [Spot The Mortgage Girls Giant Key In Christchurch City](https://www.themortgagegirls.co.nz/spot-mortgage-girls-giant-key-christchurch-city/) - Spot The Mortgage Girls Giant Key In Christchurch City !! The Mortgage Girls Recently checked out the new Margaret Mahy Playground in Christchurch, have you been there yet? It's pretty awesome! Great to see the rebuild in Christchurch town going strong! #themortgagegirls #realestatenz #nzrealestate #realestate #mortgage #mortgageadvisernz #mortgagebrokernz #mortgagebroker #mortgageadviser #lending #consolidation #newhome #firsthome #happyhome - [Save Time Apply Online](https://www.themortgagegirls.co.nz/save-time-apply-online/) - Save Time Apply Online! link: https://www.themortgagegirls.co.nz/apply-today/ We can help you with the following New Zealand wide! ? Home Lending ?? Investment Property Lending ? Business and Commercial Lending * ? Car Loans ? Debt Consolidation Loans ?? Health / Life / Income Protection Insurance's We are a FREE service! *Some lending charges may - [Struggling to Save For a Deposit?](https://www.themortgagegirls.co.nz/struggling-save-deposit/) - Are You Struggling to Save For a Deposit? This is not uncommon, saving for a first home can be daunting to think about! We can talk about how much deposit would be required for your future home purchase, talk about how Kiwi Saver could help you and even look at consolidating current debts to get - [20 Minutes Free Coffee Chat with a Mortgage Adviser](https://www.themortgagegirls.co.nz/20-minutes-free-coffee-chat-mortgage-adviser/) - The Mortgage Girls offering 20 Mins FREE coffee catch ups in Canterbury!! We can help with an lending questions you may have :) For a friendly obligation free information call the mortgage girls today 0800 864 864 or send us a message through the following link: https://www.themortgagegirls.co.nz/contact/ Remember The Mortgage Girls can help with all - [Time Is Precious](https://www.themortgagegirls.co.nz/blog/) - Here at The Mortgage Girls we are here to help you with your every day requirements! The Mortgage Girls can not only help you purchase a new home, investment property, business/commercial investments and even lending to purchase a new vehicle, we can even help you with your next fixed rate review! Let The Mortgage Girls - [The Mortgage Girls love making dreams come true and we want to help you unlock the doors to your future.](https://www.themortgagegirls.co.nz/the-mortgage-girls-love-making-dreams-come-true-and-we-want-to-help-you-unlock-the-doors-to-your-future/) - Our NZ owned company is a New Mortgage Advising Company in Christchurch. We are a highly driven team with immense success in the finance industry with over 15 years banking and finance history between us, personal experience in buying, selling, renting and building we know we have what it takes to keep you, our customers - [Thinking of purchasing your first home?](https://www.themortgagegirls.co.nz/thinking-of-purchasing-your-first-home/) - Here’s the story of my first home purchase below; I purchased my very first at the age of 18 back with 5% deposit back when 100% lending was a regular occurrence. I worked 70 hours a week for over a year at the time at the Bank during the day and as a waitress at ## Pages - [Homepage](https://www.themortgagegirls.co.nz/) - Welcome To The Mortgage Girls - as mortgage advisors, we are passionate about helping you with your home ownership and investment goals in New Zealand. - [Calculators, Tools and Resources](https://www.themortgagegirls.co.nz/resources/calculators-tools-and-resources/) - Helpful guides, tools and calculators from The Mortgage Girls to better understand your lending requirements. - [Resources](https://www.themortgagegirls.co.nz/resources/) - Handy guides, tools and calculators to better understand your mortgage requirements. - [Important Information](https://www.themortgagegirls.co.nz/important-information/) - The Mortgage Girls specialise in providing financial advice and transactional solutions in relation to mortgages and loan products. - [Moneta Insurance & Investment - Nick](https://www.themortgagegirls.co.nz/moneta-insurance-investment/) - A proudly owned Canterbury company, MONETA is based in Christchurch and focuses on Canterbury people and their insurance needs. Book an appointment with Nick. - [Moneta Insurance & Investment - Joey](https://www.themortgagegirls.co.nz/moneta-insurance-investment-joey/) - A proudly owned Canterbury company, MONETA is based in Christchurch and focuses on Canterbury people and their insurance needs. Book an appointment with Joey. - [Surani Gunawardana](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/surani-gunawardana/) - Hard work, kindness, authenticity and positivity are all really important to me, so I feel very much at home at The Mortgage Girls. - [Meet Our Team](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/) - The Mortgage Girls, was established in 2015 with a vision to help make home buying dreams come true for everyday Kiwis just like you. Meet the team. - [IMSURE Team](https://www.themortgagegirls.co.nz/imsure-team/) - Since 2006, Cameron Bryant and his team at IMSURE have been looking for better ways to give his clients the peace of mind they deserve from their insurance. - [Ella's page](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/ellas-page/) - Ella's Page Provide Ella confirmation to submit your application Provide Ella confirmation to submit your application Date* Your name*Please input first and last namePermission to submit your application as per my statement of advice providedBy confirming you wish to proceed, you acknowledge you have completed the required actions and reviewed our key documents, including our - [Ella Southward](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/ella-southward/) - I believe everyone should get the opportunity to own a house one day. I’d like to give others the time of day to explain their short and long term goals. - [Elyce Peters](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/elyce-peters/) - My mission? To keep helping Kiwis make smart, empowered financial decisions whether that’s buying their first home, investing, refinancing, or smashing out debt - [Home Loan Repayments Calculator](https://www.themortgagegirls.co.nz/resources/home-loan-repayments-calculator/) - Work out how much your home loan repayments on a property may be via our mortgage repayment calculator. - [Story Group - Health and Life insurance](https://www.themortgagegirls.co.nz/story-group-health-and-life-insurance/) - Health and Life insurance is your safeguard for the unexpected, ensuring you're covered when it matters most. Try our 15 minute chat to find out your options. - [TMG The Helpful Mortgage Guide](https://www.themortgagegirls.co.nz/tmg-guides/tmg-the-helpful-mortgage-guide/) - Whether you’re structuring your mortgage for the first time, or your mortgage is up for review it pays to sit down and consider your options. - [TMG Home Finance Guide](https://www.themortgagegirls.co.nz/tmg-guides/tmg-home-finance-guide/) - House hunting can be very exciting and challenging at the same time. Check out The Mortgage Girls' Home Finance Guide for an explanation of what's involved. - [TMG Finance for Builds Guide](https://www.themortgagegirls.co.nz/tmg-guides/tmg-finance-for-builds-guide/) - A guide to financing your home build, covering payment structures, types of build, budgeting, progress payments, lender requirements, and costs. - [TMG (RVR) Guide](https://www.themortgagegirls.co.nz/tmg-guides/tmg-rvr-guide/) - Information about when a Registered Valuation Report (RVR) is required for your home loan. - [Our Professionals](https://www.themortgagegirls.co.nz/tmg-guides/our-professionals/) - The Mortgage Girls' trusted network of professionals—from solicitors to a range of reliable maintenance experts and everything in between. - [Kāinga Ora First Home Loan Guide](https://www.themortgagegirls.co.nz/tmg-guides/kainga-ora-first-home-loan-guide/) - Our First Home Loan Guide is designed to help you understand every step of the journey, from saving for a deposit to securing loan approval and eligibility. - [Settlement Gift](https://www.themortgagegirls.co.nz/settlement-gift/) - Settlement Gift from The Mortgage Girls. - [Privacy Statement](https://www.themortgagegirls.co.nz/privacy-statement/) - The Mortgage Girls Ltd is committed to protecting your privacy. This privacy statement outlines how we collect, store, use and share your personal information. - [Contact](https://www.themortgagegirls.co.nz/contact/) - The Mortgage Girls would love to chat with you about your property goals. Contact us on 0800 864 864 or email us. - [KiwiSaver Referral](https://www.themortgagegirls.co.nz/kiwisaver-referral/) - KiwiSaver Referral form. - [PRIVACY BREACH](https://www.themortgagegirls.co.nz/privacy-breach/) - For any privacy or cyber security breaches to be recorded. - [Insurance Referral](https://www.themortgagegirls.co.nz/insurance-referral/) - General insurance referral. - [Gift Register](https://www.themortgagegirls.co.nz/gift-register/) - To record any gifts received over $500. - [CRITICAL FEEDBACK](https://www.themortgagegirls.co.nz/critical-feedback/) - For any internal and external complaints big or small. - [TMG Guides](https://www.themortgagegirls.co.nz/tmg-guides/) - Mortgage guides are designed to help home buyers and property investors understand the lending process with confidence. - [Thank you](https://www.themortgagegirls.co.nz/thank-you/) - Thank you for using this calculator. - [Thank You](https://www.themortgagegirls.co.nz/thank-you-rent-vs-home/) - Thank you for using this calculator. - [Thank You](https://www.themortgagegirls.co.nz/thank-you-investment-calculator/) - Thank you for using this calculator. - [Thank You](https://www.themortgagegirls.co.nz/savings-calculator-feedback/) - Thank you for using this calculator. - [Six things to think about when you own a home](https://www.themortgagegirls.co.nz/six-things-to-think-about-when-you-own-a-home/) - From asset insurance to future proofing - six important things to think about when you own a home. - [Investment Return Calculator](https://www.themortgagegirls.co.nz/resources/investment-return-calculator/) - Return on investment calculator for property investors in New Zealand. Estimate your rental returns, adjust your expenses, and learn how to improve your returns - [Investment Calculator](https://www.themortgagegirls.co.nz/resources/investment-calculator/) - Use this calculator to work out how much you may be able to borrow to purchase an investment property, compare different interest rates and repayment scenarios. - [Savings Plan Calculator](https://www.themortgagegirls.co.nz/resources/savings-plan-calculator/) - Looking to get on the property ladder? First-time buyers - use this calculator to figure out how much you may be able to borrow and compare repayment scenarios. - [Rent vs Home Loan Calculator](https://www.themortgagegirls.co.nz/resources/rent-vs-home-loan-calculator/) - Use this calculator to compare your current house budget vs your new expected home loan budget. - [Sarah Shearer](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/sarah-shearer/) - The Mortgage Girls assisted me with the purchase my current home and I feel so lucky to now be a part of this amazing team to help assist others in the same way - [Nicole Gillum-Flaus](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/nicole-gillum-flaus/) - I have been in finance for 10 years. Straight out of high school, I followed in my dad’s footsteps and started working in international trade and finance at BNZ - [Michelae Reeve](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/michelae-reeve/) - With 10 years of experience in finance, including the past 6 years as a Mortgage Adviser, I’m passionate about helping Kiwis achieve their home ownership goals. - [Louise Taylor](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/louise-taylor/) - With over 20 years of experience in finance, my journey began at the Royal Bank of Scotland, where I quickly discovered my passion for property and lending. - [Laura te Kaat](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/laura-te-kaat/) - With over 12 years of experience in finance, I bring a deep understanding of home lending and a genuine passion for helping people achieve their property goals. - [Holly Sullivan](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/holly-sullivan/) - Learn more about The Mortgage Girls co-founder. - [Heather Bakkenes](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/heather-bakkenes/) - Having worked in finance, sales and insurance for most of my career, I am passionate about doing my part in helping clients realise their financial ambitions. - [Community & Sponsorship](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/community-sponsorship/) - We are a small business that loves to give back where we can. Our chosen charities and organisations are mainly focused on supporting children and families. - [Caitlin Rains](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/caitlin-rains/) - My background in Civil Engineering means I bring a unique blend of problem solving skills and enthusiasm to the finance industry. - [Investor Mortgages](https://www.themortgagegirls.co.nz/investor-mortgages/) - Joy Coughlan and Investor Mortgages have officially handed over the business to the award-winning mortgage advice team – The Mortgage Girls. - [Investing / Commercial](https://www.themortgagegirls.co.nz/investing-commercial-property/) - Many years working in the banking industry we have strong connections with the banks and financial institutes enables us to help you with your commercial goals. - [Home maintenance tips from The Mortgage Girls](https://www.themortgagegirls.co.nz/seasonal-home-maintenance-tips/) - Keeping your home maintained can prevent issues down the track, preserving its value for decades to come. Check out our handy seasonal maintenance guide. - [Apply today](https://www.themortgagegirls.co.nz/apply-today/) - Whether you're a first home buyer, property investor or you're just on the move, The Mortgage Girls can help you find a home loan that suits. Apply online here. - [Home Buyers](https://www.themortgagegirls.co.nz/home-buyers-mortgages/) - A step-by-step guide to buying your first home from The Mortgage Girls - mortgage brokers in New Zealand. - [Feedback & Complaints](https://www.themortgagegirls.co.nz/feedback-complaints/) - From time to time, things may not go as planned, and when that happens, we want to hear from you to help us us improve our services and outcomes. - [FAQs](https://www.themortgagegirls.co.nz/faqs-frequently-asked-questions/) - Curious about how much to offer when negotiating a home? Get expert tips on market research and making the right bid with The Mortgage Girls! - [Disclaimer](https://www.themortgagegirls.co.nz/disclaimer/) - This website is owned by, and its content is published by The Mortgage Girls ("TMG") and governed by our disclaimer. - [Indirect Collection Source Schedule](https://www.themortgagegirls.co.nz/indirect-collection-source-schedule/) - Indirect Collection Source Schedule Third PartyInformation exchangedPurposeLaw basisNotice methodThe Mortgage Girls Team (Staff Members)→← Client personal information including identity details, contact details, financial information, lending position, and application progress shared internally between advisers and support staff.To provide continuity of service, enable any team member to assist the client, and ensure efficient processing and management of - [Break Calculator](https://www.themortgagegirls.co.nz/resources/break-calculator/) - This mortgage break-cost calculator can help to give you estimate the potential charges before you proceed. - [Karmin Chan](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/karmin-chan/) - With over 20 years' experience in banking for retail/business lending, Karmin is passionate about helping people through the exciting journey of home ownership. - [Michelaé's page](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/michelaes-page/) - Michelaé’s page Provide Michelaé confirmation to submit your application Provide Michelaé confirmation to submit your application Date* Your name*Please input first and last namePermission to submit your application as per my statement of advice providedBy confirming you wish to proceed, you acknowledge you have completed the required actions and reviewed our key documents, including our - [Caitlins page](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/caitlins-page/) - Caitlin's Page Provide Caitlin confirmation to submit your application Provide Caitlin confirmation to submit your application Date* Your name*Please input first and last namePermission to submit your application as per my statement of advice providedBy confirming you wish to proceed, you acknowledge you have completed the required actions and reviewed our key documents, including our - [Louise's page](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/louises-page/) - Louise’s page Provide Louise confirmation to submit your application Provide Louise confirmation to submit your application Date* Your name*Please input first and last namePermission to submit your application as per my statement of advice providedBy confirming you wish to proceed, you acknowledge you have completed the required actions and reviewed our key documents, including our - [Lauras page](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/lauras-page/) - Laura's Page Provide Laura confirmation to submit your application Provide Laura confirmation to submit your application Date* Your name*Please input first and last namePermission to submit your application as per my statement of advice providedBy confirming you wish to proceed, you acknowledge you have completed the required actions and reviewed our key documents, including our - [Elyces page](https://www.themortgagegirls.co.nz/about-the-mortgage-girls/elyces-page/) - Elyce's Page Provide Elyce confirmation to submit your application Provide Elyce confirmation to submit your application Date* Your name*Please input first and last namePermission to submit your application as per my statement of advice providedBy confirming you wish to proceed, you acknowledge you have completed the required actions and reviewed our key documents, including our ## Jeg Kit - Header - [Header Template](https://www.themortgagegirls.co.nz/jkit-header/header-template/) ## Jeg Kit - Footer - [TMG_Footer_2024](https://www.themortgagegirls.co.nz/jkit-footer/tmg_footer_2024/) - We make buying houses easy We make buying houses easy Let us know if you have any questions, we’re always happy to help! Book now 0800 864 864 email us The Mortgage Girls, was established in 2015 with a vision to help make home buying dreams come true for everyday kiwis just like you. Jki-facebook-light ## Elementor Header & Footer Builder - [TMG-Footer-2024](https://www.themortgagegirls.co.nz/elementor-hf/tmg-footer-2024/) - We make buying houses easy We make buying houses easy Let us know if you have any questions, we’re always happy to help! Book now 0800 864 864 email us The Mortgage Girls, was established in 2015 with a vision to help make home buying dreams come true for everyday kiwis just like you. Jki-facebook-light - [TMG-Header-2024](https://www.themortgagegirls.co.nz/elementor-hf/tmg-header-2024/) - Talk to us 0800 864 864 Book now Home Buyers First Home Buyers Already own a home? 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