Mortgage Matters - The Advanced Mortgage Solutions Podcast

Buying a home is one of the biggest financial decisions you'll ever make — and the mortgage world can feel confusing. The Advanced Mortgage Solutions Podcast breaks down mortgages, home loans, insurance, and property finance in a clear and practical way for New Zealand buyers. From first home buying tips and interest rate updates to mortgage protection and smart loan structures, each episode shares insights from experienced advisers and industry experts to help you make confident property decisions. If you're thinking about buying, refinancing, or simply want to understand how mortgages really work in New Zealand, this podcast is for you.

Mortgage Matters - The Advanced Mortgage Solutions Podcast is a education podcast hosted by Scott Miller - Advanced Mortgage Solutions, with 21 episodes on record and a Required Pod Score of 80.

Scott Miller - Advanced Mortgage Solutions hosts Mortgage Matters - The Advanced Mortgage Solutions Podcast, a education show with 21 episodes published.

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  Episode #22

  OCR Up 0.25% — So Your Mortgage Rate Goes Up Too... Right?

  Sep 29, 202610 minS1

  To get help with a new home loan or update an existing one, reach out to the friendly AMS team here: https://www.advancedmortgagesolutions... In this September 2026 mortgage update, Mortgage Matters host Joel Sadler talks with mortgage adviser Scott Miller from Advanced Mortgage Solutions about the latest New Zealand OCR increase and what it actually means for home loan interest rates. Around a week and a half after the OCR increase, Scott explains that the immediate changes he has seen have largely been to floating mortgage rates, while the fixed mortgage rates discussed in this episode – including shorter fixed terms – had not simply increased in line with the OCR. So why doesn't an OCR increase automatically translate into the same increase across every mortgage rate? Scott explains the difference between floating and fixed mortgage rates, how banks fund home lending, and why longer-term fixed rates can be influenced by factors beyond the Reserve Bank's Official Cash Rate. Joel and Scott also discuss mortgage assessment rates – the higher rates banks can use when testing whether borrowers can afford a home loan – and why an OCR increase doesn't necessarily mean those assessment rates immediately change either. For first-home buyers and anyone planning to purchase a property this spring, there's another important consideration: mortgage pre-approval. As New Zealand heads into the traditionally busier spring property market, bank turnaround times can increase. Scott explains why getting your mortgage pre-approval underway early can help you understand your borrowing position before you find a property you want to buy. In this episode: 00:00 Welcome and Introductions 00:25 OCR Update and What Changed 01:06 Floating vs Fixed Mortgage Rates 02:54 Bank Assessment Rates and Buffers 04:54 Why Longer Fixed Rates Can Differ 06:39 Spring Property Market and Pre-Approval 07:37 Bank Turnaround Times and Getting Ahead 09:11 Final Mortgage Tips and Wrap Up If you're buying a home, refinancing or want to understand how current mortgage rates and lending conditions may affect you, contact Scott and the team at Advanced Mortgage Solutions. Mortgage rates and lending criteria can change. The information discussed reflects the market at the time this episode was recorded. For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

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  Episode #21

  Buying a Home With a Sibling or Friend (Not Living Together): Mortgage Assessment Tips

  Sep 6, 20268 minS1

  In this episode of the Advanced Mortgage Solutions Podcast, Scott Miller explains how mortgage applications differ when two people (such as siblings or friends) buy a property together but don’t live together. Instead of shared household costs, lenders often assess two separate sets of living expenses, which can reduce borrowing capacity and make approval harder. Scott also highlights a key future consequence: even if you own only 50% of a jointly purchased property, lenders may assess you as 100% liable for the joint debt when you later apply for a loan on your own, potentially forcing you to exit the joint lending. The conversation covers rental income helping with investment-property affordability, common scenarios like helping parents, and the importance of property relationship agreements and exit strategies. More info is at advancedmortgagesolutions.co.nz 00:00 Intro and Topic Setup 00:47 Joint vs Separate Expenses 02:18 Future Borrowing Liability Trap 03:55 Second Property and Rental Income 05:03 Helping Parents Pitfalls 06:23 Agreements and Exit Strategies For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

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  Episode #20

  Thinking of buying a lifestyle block in New Zealand? The lending rules might surprise you.

  Aug 30, 202614 minS1

  For help with lending for a lifestyle block reach out to the team: https://www.advancedmortgagesolutions.co.nz/ In this episode of Mortgage Matters, Joel Sadler sits down with Advanced Mortgage Solutions founder Scott Miller to break down how lifestyle block lending works in NZ — and why it’s very different from buying a standard residential property. From deposit requirements to unexpected bank criteria, this episode covers the key risks and decisions that can make or break your purchase. Key topics covered: Why lifestyle block deposits can jump from 20% to 50% How land size affects lending classification (residential vs agri/business) Hidden bank rules — including road access (tar seal vs shingle) How distance from town can impact your loan Essential services: water (wells), sewer (septic systems), and compliance Building on lifestyle land — what lenders look for Adding sheds, minor dwellings, and granny flats Why declaring income-producing land use can change your loan type Real-world example: vineyard lending differences Why speaking to a mortgage adviser early is critical Scott also explains how easily buyers can fall into more expensive lending structures — and how to avoid costly mistakes before signing a contract. Whether you're dreaming of more space, a hobby farm, or a rural lifestyle, this episode will help you navigate the lending landscape with confidence. New Zealand mortgage advice | Nationwide service Talk to the team at Advanced Mortgage Solutions: https://www.advancedmortgagesolutions.co.nz/ 00:00 Welcome and Topic Intro 00:42 What Makes Lifestyle Lending Different 02:01 Buying vs Building Basics 03:20 Land Size and Deposit Rules 04:00 Shingle Roads and Other Odd Bank Rules 04:57 Distance to Town Impacts Deposits 06:25 Building Services Costs and Compliance 07:26 Sheds Granny Flats and Council Rules 09:31 Declaring Land Use Avoid Business Lending 10:50 Vineyard Example Residential vs Business Loan 12:33 Why Talk to an Advisor First 13:57 Closing For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

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  Episode #19

  Pre-Existing Conditions & Insurance: What You Really Need to Disclose (with Travis Hamilton)

  Aug 16, 202611 minS1

  In this episode of Mortgage Matters, Joel interviews Travis Hamilton from Plan B about how pre-existing conditions affect personal insurance such as life, health, disability, trauma, and medical cover. Travis explains that what counts as “pre-existing” depends on the type of cover, and a helpful rule of thumb is whether something is recent or significant (material) versus long ago or minor. He outlines how layered health questions and pre-underwriting reduce the risk of non-disclosure, and notes he has never had a non-disclosure claim declined in 15 years, though it can happen. Travis describes when insurers may request targeted GP notes or health screenings, how supplemental test results can support an application, and how family history questions typically focus on immediate family and only what the applicant knows. 00:00 Welcome and Guest Intro 00:47 What Travis Covers 01:12 Why Insurance Matters 01:43 Pre Existing Basics 02:38 Material Disclosure Rule 04:41 Health Questions and Pre Underwriting 06:22 Exclusions and Advisor Advocacy 07:09 Medical Records and GP Notes 08:20 Supplementary Tests and Family History 10:22 Wrap Up and Contact Info To book a free appointment with Travis please go to https://www.advancedmortgagesolutions.co.nz/contact/ For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

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  Episode #18

  NZ Interest Rate Update (August 2026): OCR Rise & Why Now's the Time to Get Pre-Approved

  Aug 13, 20269 minS1

  Has the latest OCR increase changed mortgage rates, and what does it mean if you're planning to buy a home? In this episode of the Advanced Mortgage Solutions podcast, host Joel Sadler speaks with mortgage adviser Scott Miller about the latest New Zealand mortgage market update, how the recent Official Cash Rate (OCR) increase is affecting home loan interest rates, and why now could be an ideal time to get mortgage pre-approval before the busy spring property market. Scott explains why the 0.25% OCR increase had only a small impact on bank mortgage rates, discusses the inflation pressures influencing future Reserve Bank decisions, and shares his outlook for interest rates over the coming months. The conversation also covers current property market conditions across New Zealand, including why Christchurch continues to outperform some other regions, what buyers can expect as spring listings increase, and why getting organised early can give you an advantage in a competitive market. You'll also learn how long mortgage pre-approvals remain valid, how quickly banks are currently processing applications, and what happens if your pre-approval expires before you find the right property. If you're a first-home buyer, looking to refinance, or planning your next property purchase, this episode provides practical mortgage advice to help you prepare with confidence. For personalised mortgage advice, contact Scott Miller and the team at Advanced Mortgage Solutions: https://www.advancedmortgagesolutions... For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

  ListenShow Notes

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