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We have an opinion or two about what’s going on in the property market! Here’s where we share the latest.
chest piece reflecting in circular mirror

“Mirror, mirror on the wall, who’s the fairest of us all?”

  • Hastie News, Mortgage Adviser
We’ve all done it. Or is it just me? I fed my name into Google – well, actually it was one of those fancy AI tools, ChatGPT or Claude or whatever – to see what it said about the business. Talk about a dent to the ego! Nothing about me, but a lot about another random mortgage company down the road that doesn’t even offer the same services!
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woman psychic gazing into crystal ball

Should I lock in now or wait? Why splitting your mortgage beats crystal ball gazing

  • Auckland Market, Finances, Interest Rates, Managing your mortgage, Mortgage Adviser
I seem to have had a lot of calls like this recently. "Cam, my fixed rate's coming up for renewal and I'm not sure whether to lock in now or wait for rates to drop further. What would you do?" It's a fair question, and I get why people are asking it. We've just come through twelve months where interest rates have fallen by a full 2.5%, so naturally, everyone's wondering if they're about to miss out on even better rates just around the corner. The fear of locking in today only to see rates drop next month is real, and it's keeping a lot of people awake at night.
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young couple looking at laptop concerned

First Home Buyers – why now’s your time (but only if you stop getting in your own way)

  • First Home Buyer, Hastie News, Mortgage Adviser
I was in a café the other day, and I bumped into a young couple I know who have just got engaged. We had a bit of a chat about this and that, and then, because they know what I do for a living, they said: "Cam, we’re thinking about buying our first home, but we’re not sure if we’re ready." My response was – how do you know if you're ready if you don't know what you can afford?
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woman contemplating mortgage rates on her phone

Don’t just click and hope – why your refix decision deserves more than five minutes

  • Finances, Hastie News, Interest Rates, Managing your mortgage, Mortgage Adviser
I'll be straight with you – the banks love it when you refix online. It's quick, it's efficient for them, and frankly, it saves them money. But the vast majority of people who come to see me want to have a proper conversation before they make their refix decision, not after they've already locked themselves in.
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cowboy riding a horse during sunset

So – you’ve got your mortgage? Here’s why you still need our services

  • Finances, Hastie News, Managing your mortgage, Mortgage Adviser
Let’s discuss a common misconception – mortgage advisers help you obtain a mortgage and then gallop off into the sunset. Wrong. There’s so much more to it than that. Getting you that home loan is our bread and butter at Hastie Mortgages, but the value isn’t just in the initial transaction – it’s in the ongoing relationship that ensures your mortgage continues working for you as your life changes.
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cricketer hitting a curve ball

Financial curveballs: room to swing within your mortgage

  • Finances, Mortgage Adviser
I’ve noticed quite a bit of chatter on social media recently, suggesting you shouldn’t take out a 30-year loan term. The argument goes that paying a loan over three decades results in paying far more interest. And yes, that’s mathematically correct. Will I pay more or less interest on a 30-year loan? The simple answer is more interest – but there’s much more to the story.
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Will the LVR changes let you take the next step?

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Our team has a way of explaining complexities in a simple manner, with no bank jargon or adviser lingo, just common sense from experts, and a people-first promise.
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Happy Clients

"I felt Campbell was very efficient in his approach to accessing and attaining a loan for me. I found Campbell to be compassionate, thorough, persistent against all odds and meticulous in his communications throughout the whole process."
Penny, Auckland
"If you’re even beginning to dream about buying a house, before you go any further, read Campbell’s e-book, ‘The Bank Said Yes!’ It is a straight forward and incredibly knowledgeable explanation of what to expect when looking for a mortgage, especially your first mortgage. It covers all you will need to know, things you may not have thought about and things you perhaps wanted to ask a bank but were afraid to."
Simon Lempriere, Money Mentalist International Ltd, Auckland
"Campbell Hastie provided us with a friendly, prompt and professional service. At each visit he has always come well prepared and presented my husband and I with different scenarios taking into our account our current situation and consideration of our future family plans."
Bronwynne & Jason Eastabrook, Stanmore Bay, Whangaparaoa

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We’re here to talk. Whether you’re just making first steps towards home ownership or you’re ready to buy, get in touch with us.