About Bruce Harnell
I am sincerely interested in helping people and approach every situation with a positive attitude and an open mind. I believe it is this optimism that sets me apart from everyday brokers and results in happy clients that continue to refer others to me and return to me themselves when their circumstances change.
When purchasing our first home we were recommended Bruce Harnell as a mortgage broker. Bruce gently and clearly walked us through the whole thing making it a painless and transparent process.
He was happy to explain even the most simple of concepts so that at no point did we feel like we did not have a really clear grasp on what we were doing. He has an obvious concern for his clients and gave us sound realistic advice.
We still go to Bruce now for the odd piece of advice and he is always a solid sounding board. We recommend Bruce to anyone looking for a trustworthy broker who knows their stuff.
Hannah and Troy Stanton-Kerr
I've been meaning to write to thank you very much for all your time and patience helping Blair and I into our first home together.
We've been so busy getting settled that it just kept slipping my mind! So thank you very much for all your help with the finances and insurance we were really grateful to have you on our team :-)
We will be sure to be in touch should we need to go this process again in the future. All the best for a fabulous summer!
Tori & Blair Mitchell
Interest rate changes
As interest rates change and options vary keeping my clients up to date with alternatives such as methods of early repayment, lessening overall debt, reducing interest and what different banks have to say is done by way of a monthly newsletter that keeps my clients informed and able to retain a sense of control around their financial day to day activities. This also maintains the personal connection that my clients agree is an aspect that sets me apart.
First home buyers
This role has meant I’ve had the honour of assisting first home buyers and new immigrants with their exciting first purchase and have also shared the joy when a change of clients circumstances and subsequent mortgagee sale has been prevented.
Personal experience in building has added valued practical experience in construction loans as well as the pitfalls and positives of investment lending.
Refinancing to meet constantly changing times has never to me been a recent thing as we never know what is around the corner and I have found my customers to be reassured that I am but a phone call away.
About Bruce Harnell
I began my career with banking giant Westpac Bank, where over a period of 8 years I held a variety of roles, moving through the ranks from branch internal relief officer to eventually becoming Branch Manager of Westpac’s Pakauranga Office.
Liaising with clients, relationship building and lending have always been the aspect of banking I have most enjoyed, thus in 2003 I decided to move to Westpac’s newly established South Auckland Mobile Mortgage Mangers Unit.
After spending two years with this division, I felt it was necessary to broaden my knowledge of lending products available, to truly be able to assist my clients in obtaining the best possible mortgage options for their individual needs.
As a father of four growing children, ranging in age from 12 to 18 who are all mad on sport, I have been coaching my boys soccer team for the last 5 yrs and am constantly meeting new people from all walks of life. Cheering my children on at soccer, cricket and hockey has shown me that it is only by truly being a part of the community in which you live and serve that you can understand its pleasures and pressures.
I’m also a member of the local church and pride myself on being a person of integrity who can be trusted.
Central Auckland customers
My service extends throughout Auckland and I will visit you at a time and place which suits you. Most of my clients are based in the central Auckland area, including Ellerslie, Mt Wellington, Kohimarama, Panmure, Greelane, Onehunga, Otahuhu, Papatoetoe, Manukau and Manurewa.
Return of LVR restrictions: What it means for first home buyers and investors
The much-anticipated return of loan-to-value (LVR) restrictions kicks in from 1 March. The Reserve Bank removed the restrictions at the start of the Covid pandemic. At the time, the Bank wanted to promote cash flow and increase economic confidence. However, the economy has bounced back stronger than expected. And record house prices plus intense activity from investors have led to their reintroduction. So, what does it mean for first home buyers and investors? Here, we provide an overview of the main implications.
Changes to tenancy laws: What you need to know
The biggest reform of tenancy laws in New Zealand came into effect on 11 February. The government aims to provide a better balance between the rights of tenants and the interests of landlords. Here’s a quick guide to the main changes and what they mean in practice.
Bank of Mum & Dad: Pros and Cons of helping kids purchase their first home
A combination of low-interest rates and soaring house prices have seen many young Kiwis struggle to get on the property ladder. It’s no surprise that more and more are turning to the bank of mum and dad for help with the deposit.