Mortgage Matters - The Advanced Mortgage Solutions Podcast

Why You Should Use Specialists When Buying or Selling Property in New Zealand

Mon, 06 Jul 2026 09:00:00 +1200

In this Episode, Joel Sadler speaks with Scott Miller, owner and founder of Advanced Mortgage Solutions, about why using specialists is important when buying or selling property.

Scott explains that licensed professionals can give compliant, competent advice that bank staff may not be able to provide, and outlines where different specialists fit in the home-buying timeline: starting early with a mortgage adviser/financial adviser for preparation and pre-approval, then involving real estate agents, solicitors, building inspectors, and registered valuers at the appropriate stages.

He discusses when second-tier lenders may be needed (such as adverse credit circumstances), the value of a broker’s trusted network of professionals without referral fees, and why legal advice is critical—especially with private sales and sales and purchase agreements.

The episode also covers using accountants for property investment structures (trusts, companies, personal ownership) and the added complexities in Christchurch post-earthquakes, including insurance/EQC work, ‘as is where is’ properties, and lender caution.

To book a free meeting with Scott or his team head over to: https://www.advancedmortgagesolutions.co.nz/

00:00 Welcome to the Podcast + Today’s Topic: Why Specialists Matter
00:32 What a Specialist Actually Does (and Why Licensing Matters)
02:27 When to Start: Getting a Mortgage Advisor In Early
03:33 The Property-Buying Timeline: Broker → Bank → Agents → Lawyer/Inspectors/Valuer
05:20 Mortgage Broker vs Bank: Pre-Approval and ‘Security’ Checks
06:25 Why a Solicitor Protects You (Recourse, Contracts, and Risk)
07:16 Trusted Referrals & No Kickbacks: Building a Network You Can Rely On
09:32 Property Investing Structures: Trusts, Companies, and the Right Accountant
11:00 Private Sales: Don’t Sign Anything Without Legal Advice
12:44 Real Example: Unconsented Driveway Found in the LIM
13:59 Christchurch Earthquake Nuances: EQC Work, ‘As-Is’ Homes, and Extra Due Diligence
15:33 Wrap-Up + How to Contact Advanced Mortgage Solutions

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

NZ Interest Rates & Property Market Update (July 2026): Christchurch Trends & Bank Cashback Offers

Wed, 01 Jul 2026 11:00:00 +1200

Looking for the latest NZ interest rates, mortgage rates, first home buyer advice or Christchurch property market insights? Scott Miller from Advanced Mortgage Solutions discusses bank cashback offers, home loan trends and what buyers should know in July 2026.

To speak with Scott reach out via his website: https://www.advancedmortgagesolutions.co.nz/

The war in Iran has potentially ended and the Strait of Hormuz is open, which should lower petrol and transport costs and potentially leave households with more disposable income.

He notes an unexpected move by Westpac, cutting its 3, 4 and 5-year rates by 0.2% while other banks have been raising rates, possibly to lock borrowers into longer terms; cashback offers are around 0.9–1% and discounts are stronger with a 20% deposit.

Regionally, Auckland, Wellington and Queenstown remain weak, while the West Coast is up about 6% and Christchurch about 5%, helped by buyers relocating for affordability;

Scott also highlights the importance of local knowledge, including EQC history and school zones.

00:00 Welcome and Introductions
00:38 Global Events and Fuel Prices
01:35 Interest Rates and Bank Moves
03:11 Cashback and First Home Buyers
04:11 Buyer vs Seller Market Update
04:22 Christchurch Growth and Migration
05:52 EQC and Local Knowledge Matters
06:54 School Zones and Price Gaps
07:19 How to Contact Scott

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Step-by-Step Guide to Applying for Your First Home Mortgage in New Zealand with Scott Miller

Thu, 11 Jun 2026 07:00:00 +1200

Welcome back to the Advanced Mortgage Solutions Podcast!

In this Episode, host Joel is joined by mortgage expert Scott Miller, who provides a detailed step-by-step guide on applying for a new home mortgage.

Scott discusses the entire process, from getting pre-approved for finance to settlement day, offering tips on real estate platforms, building reports, and loan structures.

This episode is perfect for first-time home buyers.

Download the guide at https://www.advancedmortgagesolutions.co.nz/mortgages/first-home-buyers-guide/ and book a free consultation with Scott or his team for personalized assistance. Don't miss this comprehensive guide to home buying!

00:00 Introduction and Welcome
00:47 Step 1: Getting Pre-Approved for Finance
02:05 Step 2: House Hunting Tips
02:53 Step 3: Making an Offer and Getting It Approved
05:02 Step 4: Receiving an Unconditional Offer of Finance
06:00 Final Step: Settlement Day
07:33 Post-Purchase Follow-Up and Tips
09:31 Conclusion and Contact Information

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Understanding Home Loan Calculations in New Zealand

Thu, 04 Jun 2026 07:00:00 +1200

Welcome to the Advanced Mortgage Solutions Podcast!

In this Episode, host Joel Sadler is joined by mortgage expert Scott Miller, owner and founder of Advanced Mortgage Solutions.

Scott, a seasoned property investor with over 20 years of experience, breaks down what banks look for when calculating home loans.

They discuss the importance of accurate and truthful financial disclosure, how banks assess loan applications under the responsible lending code of 2017, and the differences between renting and mortgage payments.

Scott also delves into the nuances of refinancing and provides essential tips for prospective home buyers, like managing consumer debt and adjusting KiwiSaver contributions to improve cash flow.

Don't miss this informative episode packed with insights to help you on your property journey.

00:00 Welcome to the Advanced Mortgage Solutions Podcast
00:36 Understanding Bank Calculations for Home Loans
02:07 The Responsible Lending Code and Its Impact
04:49 Refixing and Rolling Over Mortgages
07:48 Relocating and Mortgage Considerations
09:25 Detailed Mortgage Application Process
13:33 Tips for a Successful Mortgage Application
16:33 Final Thoughts and Conclusion

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Building a New Home: Construction Loans vs. Turnkey Builds

Thu, 28 May 2026 07:00:00 +1200

Welcome back to the Advanced Mortgage Solutions Podcast with your host Joel Sadler and expert Scott Miller! In Episode nine we delve into the world of building a new home and explore the various lending options available.

Scott, with over 20 years of industry experience, breaks down the differences between traditional construction loans and the more modern turnkey builds.
Learn about the pros and cons of each method, their impacts on your finances, and key factors to consider whether you're a first-time home buyer or a seasoned investor.

Tune in for valuable insights and tips to make informed decisions on building your dream home!

00:00 Introduction and Welcome
00:27 Understanding the Home Building Process
01:51 Construction Loans Explained
02:50 Turnkey Builds: A Modern Approach
03:26 Comparing Costs and Benefits
05:28 Legal and Financial Considerations
10:36 Building for Rental Properties
13:38 Final Thoughts

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Understanding Home Loan Deposits in New Zealand

Thu, 21 May 2026 07:00:00 +1200

Welcome to the Advanced Mortgage Solutions Podcast!

In episode 8, Joel Sadler hosts Scott Miller, owner, and founder of Advanced Mortgage Solutions, who brings over 20 years of experience in property investment and mortgage solutions.

They discuss various deposit options available for first-time home buyers, emphasizing the benefits of KiwiSaver and the requirements for deposits under 20%.

Scott explains the intricacies of lender's mortgage insurance and family assistance options like gifts and equity contributions.

The episode also covers bridging loans and the nuances of using KiwiSaver for joint home purchases.

This informative session aims to help listeners navigate their property journey effectively.

Tune in to gain valuable insights from an industry expert!

00:00 Introduction to the Podcast
00:21 Meet Scott Miller: Property Expert
00:52 Understanding Deposit Options for First-Time Buyers
03:24 Navigating Lender's Mortgage Insurance
07:08 KiwiSaver and Family Assistance for Home Buyers
10:53 Bridging Loans and Second Home Purchases
13:31 KiwiSaver Nuances and Joint Ownership
17:21 How to Reach Out for Mortgage Assistance

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

NZ Property Investment Insights from Scott Miller

Thu, 14 May 2026 07:00:00 +1200

Welcome to Episode Seven of the Advanced Mortgage Solutions Podcast! In this episode, host Joel Sadler interviews Scott Miller, a seasoned property investor with over 20 years of experience and the owner of Advanced Mortgage Solutions.

Scott shares his journey into property investing, key insights, and practical tips for first-time buyers and aspiring property investors.

Learn about the concept of 'puddle jumping,' the importance of maintenance considerations, and how to strategically use equity for property investment.

Whether you're just starting out or looking to expand your portfolio, Scott's expert advice will guide you through the complexities of the mortgage and property investment landscapes.

Tune in for invaluable knowledge to help you on your property journey.

00:00 Introduction to the Podcast
00:27 Meet Scott Miller: Property Investor and Mortgage Expert
00:49 Scott's Journey into Property Investing
02:54 The Concept of Accidental Rentals
05:32 Puddle Jumping: Leveraging Equity for Growth
09:14 Tips for Choosing Rental Properties
13:49 Advanced Strategies and Final Advice
17:05 Conclusion and How to Reach Out

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

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

Thu, 07 May 2026 16:00:00 +1200

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.

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

How Do New Zealand Property Auctions Work?

Thu, 30 Apr 2026 09:00:00 +1200

In Episode six, host Joel Sadler is joined by Scott Miller, the owner and founder of Advanced Mortgage Solutions, to discuss the complexities of buying a home through the auction process.

With over 20 years of property investment experience, Scott shares his insights on the rules and required preparations for purchasing at auction, emphasizing the importance of pre-approval, lender sign-off, and securing insurance before bidding.

This episode is packed with valuable advice for both first-time buyers and seasoned investors, including tips on price by negotiation, deadline sales, and what to expect post-auction.

Don't miss this essential guide to making your property journey smoother and more successful!

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Mortgage Rate Strategy NZ 2026: Fix for 6 Months or 5 Years? (Christchurch Update)

Thu, 23 Apr 2026 09:00:00 +1200

Mortgage Rate Strategy in Uncertain Times: Should you fix for 6 months or lock in for 5 years?

In this episode of Mortgage Matters, Joel Sadler and Advanced Mortgage Solutions founder Scott Miller break down the current New Zealand mortgage landscape and what it means for your next refix decision.

With global uncertainty, rising wholesale funding costs, and ongoing inflation pressures, mortgage rates in NZ are being influenced by more than just the Reserve Bank’s Official Cash Rate. Scott explains why short-term rates (floating to 2 years) are driven by OCR movements, while longer-term fixed rates (3–5 years) are shaped by international markets.

Key topics covered:

Should you fix for 6 months or longer in 2026?
How global events and inflation are impacting NZ mortgage rates
Why longer-term fixed rates are rising despite local conditions
The potential impact of US interest rate cuts on NZ
Current bank lending conditions in New Zealand
Christchurch property market update and growth outlook

Scott shares a practical strategy:
➡️ Consider short-term fixes (around 6 months) if you’re comfortable with risk
➡️ Avoid mid-range terms unless going long (4–5 years) to ride out volatility
➡️ Position yourself for the next interest rate cycle shift

Whether you're a first home buyer, investor, or refixing your mortgage, this episode will help you make smarter, more confident decisions.

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Tips for Paying Off Your Home Loan Faster in New Zealand

Thu, 16 Apr 2026 14:00:00 +1200

In this Episode Four of the Advanced Mortgage Solutions podcast, host Joel Sadler and expert Scott Miller, founder of Advanced Mortgage Solutions, discuss effective strategies to pay off your home loan faster.

Scott, with over 20 years of experience in property investment and financial advising, shares insightful tips on balancing aggressive mortgage repayment with maintaining a quality lifestyle.

Learn about different bank products, the benefits of increasing weekly payments, the impact of lump sum payments, and the strategic use of credit and offset accounts.

Whether you're a first-time home buyer or a seasoned investor, this episode is packed with valuable advice to help you on your property journey.

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

How Much Can I Borrow? Mortgage Advice in New Zealand

Thu, 26 Mar 2026 14:00:00 +1300

How Much Can I Borrow? | Episode 3 - Advanced Mortgage Solutions Podcast w/ Scott Miller

In this episode of the Advanced Mortgage Solutions Podcast, host Joel Sadler is joined by Scott Miller, an expert from Advanced Mortgage Solutions. They discuss the critical topic of 'How Much Can I Borrow?' for property buyers.

Scott, with his extensive background in property investment, logistics management, and finance, shares valuable insights on assessing affordability, utilizing accurate bank calculators, and creative ways to increase income for better borrowing capacity.

The episode also covers the significance of pre-approval, grants, and cash rebates from banks for first-home buyers and investors.

Tune in for a comprehensive guide on navigating mortgage solutions.

00:00 Introduction and Guest Welcome
00:43 Understanding Borrowing Capacity
03:04 Creative Income Solutions
06:31 The Importance of Pre-Approval
09:56 Grants, Rebates, and Final Tips
13:53 Contact Information and Conclusion

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

Home Loan Deposit Options for First Home Buyers in New Zealand

Mon, 16 Mar 2026 15:00:00 +1300

Hosted by Joel Sadler with mortgage expert Scott Miller, we dive deep into the journey of first-time home buyers. Scott, a seasoned property investor with over 20 years of experience, shares invaluable insights on assembling a deposit for a home.

From KiwiSaver withdrawals to family gifts and guarantor options, learn about the various pathways available to kickstart your property journey. Scott also discusses the current New Zealand property market and provides expert predictions on interest rate movements.

Don't miss out on this essential guide for first-time buyers and seasoned investors alike!

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz

What is a Mortgage Advisor and Why Should I Use One?

Mon, 16 Mar 2026 15:00:00 +1300

Welcome to the inaugural episode of the Advanced Mortgage Solutions Podcast with your host Joel Sadler and special guest Scott Miller, the owner and founder of Advanced Mortgage Solutions.

In this episode, Scott shares his journey from logistics management and finance to becoming one of the top mortgage brokers in New Zealand.

He explains the critical role of mortgage brokers, debunks common myths about fees, and offers valuable advice for new home buyers in the current market.

Joel and Scott also discuss the importance of financial education and the impact of rate cuts on the housing market.

Join us as we delve into practical tips and insights for making informed property decisions.

For assistance with a new or existing home loan, reach out to Advanced Mortgage Solutions today. www.advancedmortgagesolutions.co.nz