Ngaire Hansen - Adapt Mortgages

Ngaire Hansen - Adapt Mortgages 💰 Mortgage Expert
🏡 Helping Kiwis achieve Home Ownership
Book here: https://calendly.com/ngaire-adaptmortgages

I love helping turn ‘one day’ into, today 🏡
28/05/2026

I love helping turn ‘one day’ into, today 🏡

Mortgage made simple 👌🏡🔑
13/05/2026

Mortgage made simple 👌🏡🔑

It’s not just about getting a mortgage—it’s about getting it structured to fit you.
09/05/2026

It’s not just about getting a mortgage—it’s about getting it structured to fit you.

Grateful for amazing clients who trust me with one of life’s biggest decisions.
03/05/2026

Grateful for amazing clients who trust me with one of life’s biggest decisions.

Another happy homeowner—this is what it’s all about :)
27/04/2026

Another happy homeowner—this is what it’s all about :)

Helping clients turn ‘someday’ into ‘we did it’ is why I love what I do. 🏡
23/04/2026

Helping clients turn ‘someday’ into ‘we did it’ is why I love what I do. 🏡

Every situation is different — that’s why the right guidance is key.
17/04/2026

Every situation is different — that’s why the right guidance is key.

“Back in my day, interest rates were 18%…”You’ll hear this a lot — and it’s true.But it’s only half the story 👇Back then...
17/04/2026

“Back in my day, interest rates were 18%…”

You’ll hear this a lot — and it’s true.
But it’s only half the story 👇

Back then:
• Interest rates were sky high (15–20%)
• Houses were only around 2–4x income
• Debt levels were relatively low

Today:
• Interest rates are lower (around 5–7%)
• Houses are more like 6–8x income
• Debt levels are much higher

So what’s really changed?

👉 Back then = high rates on small debt
👉 Today = lower rates on much bigger debt

And here’s the key difference…

In the 80s:
• Wages were rising quickly
• Inflation was high
• Debt became easier to manage over time

Today:
• Wage growth is slower
• Inflation has been lower (until recently)
• Debt tends to stick around much longer

So while interest rates were painful back then…
The pressure didn’t last as long.

Now?
Lower rates — but bigger debt means the pressure can last for decades.

💬 Different problem. Same conversation.

If you’re thinking about buying or want to understand your position better, send me a message — happy to help.

What’s the biggest thing holding you back right now—deposit, income, or just not sure where to start?
10/04/2026

What’s the biggest thing holding you back right now—deposit, income, or just not sure where to start?

Thinking about buying but not sure where to start?Flick me a message and I’ll point you in the right direction 👍
02/04/2026

Thinking about buying but not sure where to start?
Flick me a message and I’ll point you in the right direction 👍

Address

Invercargill

Telephone

+64274620722

Website

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