Your Mate’s Mortgage Advice Is Probably Useless

Let’s be honest.

Everyone becomes a mortgage expert the second you say,

“Yeah, I’ve been thinking about buying.”

Suddenly your mate who bought in 2019 is a financial guru.

Your uncle’s telling you how interest rates used to be.

Your mate’s girlfriend’s brother's cousin reckons you need 20% and perfect credit.

And just like that, you’re overwhelmed before you’ve even started.

Here’s the problem:

None of them are you.

None of them know your actual numbers.

And none of them have to live with the outcome of the advice they’re throwing around like darts at a pub wall.

Most people mean well — but most people also don’t know what the hell they’re talking about.

They’re giving you advice based on their experience, their timeline, their situation.

Not yours.

And if you follow it blindly, you’ll end up just like them —

usually after wasting years waiting for “the right time” that never comes.

So stop outsourcing your future to people who aren’t in your shoes.

Run your own numbers.

Get your own plan.

Because unless your mate’s name is on your loan docs, their opinion isn’t the one that matters.

Want to find out what’s actually possible? Run the calculator: https://mortgageninja.co.nz/first-home-buyer-calculator

Takes a minute. No guesswork. No pub chat. Just your reality.