Michele Davidson - Mortgage Adviser

24/08/2026

Because sometimes you can forget, so let me remind your algorithm who I can help 🤭

Oh and how to get in touch with me below

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

20/08/2026

So you’re looking to put an offer on a house and you see the word DEPOSIT on the Sale & Purchase Agreement and think… this must just be the deposit I told my mortgage adviser, right? 🤔

Well….Kinda, but not quite

Let me tell you why 👉

And if you are still in the early stages of buying a home, then you’ll definitely want to save this for later 👌

18/08/2026

Did you know you can potentially buy a home with as little as 5% deposit?

Well now you do!

Full Breakdown for you:

Purchase price: $682,000
5% Deposit = $34,100
Borrowing = $647,900
Repayments based on 5.09% over 30 year term = $810 per week

10% Deposit = $68,200
Borrowing = $613,800
Repayments based on 6.2% (std rate 5.45% + 0.75% LEM) over 30 year term = $867 per week

20% Deposit = $136,400
Borrowing = $545,600
Repayments based on 5.09% over 30 year term = $682 per week

Send me your Town/City in NZ and let’s crunch some numbers!!

12/08/2026

01/08/2026

I know it seems like we ask for a lot, but remember we are preparing a proposal to the bank for them to lend you HUNDREDS OF THOUSANDS OF DOLLARS. 💸💸💸

We need to paint a clear, accurate picture to give the bank certainty that you are good to pay the funds back to them.

So a bit extra effort to get the docs right the first time and honestly your Mortgage Adviser (hopefully me 😏) will do nothing but sing your praises! 🙌

It makes our jobs easier, your application smoother and the gives the bank less opportunity to push back and drag the process out.

Better living everyone! 🤭

29/07/2026

I absolutely rate these investments when it comes to buying a house.

They not only can potentially save you money, but they can make the process a little less stressful and make moving into your new home fun and exciting - as it should be!

Let me know if I missed anything 🤭

28/07/2026

You’ve been thinking about it.

You want to buy a house, you’re just not ready yet. 🤷‍♀️

But you don’t know what “ready” looks like or feels like…and you know why?

Ready is a decision. Not a feeling.

So just start. Don’t wait until you “feel” ready, because 9/10 you’ll wish you started sooner.

Get curious, ask questions and find your ready - rather than waiting for it 😁

Send this to your friend that says they are “waiting until they are ready” 🤭

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

28/07/2026

Ever heard the…”oh you’ve got kids? It’s so much harder to get a mortgage with kids”

Well I’m here to tell you that plenty of people buy a home with kids, and my clients did just that!

Sure, kids are an additional expense but it doesn’t mean they are a handbrake on your homeownership dreams.

Like everything that involves children, routine and a plan are key. 🔐

📈 Kiwisaver is your friend (specifically as a first home buyer)
Make time to have a chat with a KiwiSaver adviser and make sure it’s working hard for you and is not just in a default fund.

🧑‍🧑‍🧒‍🧒 Involve your kids in money conversations
NZ has a poor level of financial literacy due to money long being such a taboo subject. Let’s not make it taboo anymore. Tell your kids about your money goals. Let them ask questions, even when you are learning too. They will thank you later - trust me

💰Small savings is better than no savings
Start with $5 per week, then grow it as you can. It amazes me how many people say they can’t save, yet buy a $20 lotto every week. If you want to make buying a home a priority, then you need to really consider your habits and whether they are a priority. Small changes can mean big wins.

💬 Reach out for a chat!
You don’t have to be ready, you could be in the “I want to get ready, but don’t know where to start” phase or the “I think we are ready, but I’m not sure” phase and that’s where I, as an adviser, love to help. Let’s chat, see where you are vs where you want to be and make a plan. You’ll be amazed at how much easier the goal becomes when you have a plan!

These numbers are a real story, of a real NZ family, not for comparison but to show you what’s possible!

📲 M: 0274593090
💻 E: [email protected]
👩‍💻 W: www.claymortgages.co.nz

This is not financial advice, this is for educational purposes only! 📚