Ngaire Hansen - Adapt Mortgages

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

Mortgage made simple 👌🏡🔑

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.

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. 🏡

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:
• 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?

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