Real mortgage advice goes way deeper than a price tag.
It’s really about spotting opportunities, navigating the tricky bits, and setting up a structure that actually protects and grows your wealth for the long haul.
If you are planning to buy a home in New Zealand, it helps to understand two things early. The first is where most new migrants are coming from and how
Paying more off your mortgage principal will shorten the term of your loan. That is a simple fact many homeowners already know. If you put an additional $100 a month
If you are moving to New Zealand and planning to buy a home, your visa status can make a very big difference. I find many new arrivals assume the key
The New Zealand property market has entered 2026 in a very different position from the high-pressure years many buyers and sellers still remember. Prices are no longer running away, mortgage
For many retirees in New Zealand, the family home is their largest asset. The challenge is that while it may be valuable on paper, it does not always provide the
Many first home buyers have to make the decision of whether to buy a new build or an existing property. Both options can lead to home ownership, but they come
Many first home buyers have to make the decision of whether to buy a new build or an existing property. Both options can lead to home ownership, but they come
Are you looking for ways to pay off your home loan faster or reduce the interest you pay over time? Many homeowners ask us about two clever mortgage features that
Taking on a mortgage with a student loan may sound like a setback, but you’re far from alone. New Zealanders collectively owe around $16 billion in student loans, with an
What is a second mortgage? A second mortgage is an additional home loan that sits behind your first mortgage, using the house as security. When we say second, it refers
Auckland is the country’s largest and most tradable property market, yet after a sharp run-up during the pandemic, it has spent the last three years resetting. With mortgage rules easing,
Investors love quick yardsticks, and the capitalisation rate (frequently known as cap rate) is one of the most popular. It converts a property’s net operating income (NOI) into a percentage
Investors love quick yardsticks, and the capitalisation rate (frequently known as cap rate) is one of the most popular. It converts a property’s net operating income (NOI) into a percentage
Buying a home is a big step, but with rising sea levels, heavy rain, and flooding becoming more common across New Zealand, there’s a lot more to consider than just
The Reserve Bank of New Zealand (RBNZ) sets the Official Cash Rate (OCR), after an OCR Review with a primary objective of maintaining price stability over the medium term, and considering the sustainability of house prices.
Here’s a breakdown of the rationale and factors influencing their decisions
We all dream of owning a home, but with skyrocketing property prices in New Zealand, that dream can feel out of reach for many. Fortunately, there’s a solution: buying property
Buying your own home is a big milestone and most likely the biggest financial commitment you will ever make. You put time into researching the market, house viewings, gathering supporting
Are you thinking about investing in a residential rental property to grow your investment portfolio? Here comes the tricky part. Do you go for a brand-new build with that fresh
Buying a home is one of the biggest financial commitments you’ll ever make, and choosing the right home loan is just as important as finding the perfect house. With so
Are you dreaming of giving your home a fresh new look? A sleek kitchen upgrade, a bathroom refresh, or a full-scale extension can add style, space, and value to your
Between lively discussions in corporate boardrooms, and heated debates at the local café, Kiwis can’t get enough of talking about interest rates. It’s a topic that’s always buzzing. Interest rates
Should you fix your mortgage long, or is a short-term rate better, and what about floating?
The reality is that the best fixed term for you will depend on a mixture of the current market conditions and your personal financial situation.
Locking in for too long could mean you end up paying more interest if the rates drop.
But fixing too short may leave you vulnerable to sudden rate increases.
This month, the news from the housing market is actually quite cheerful – at least if you are a buyer. Mortgage rates have dropped again, prices are lower, and there are plenty of properties to choose from.
Don’t panic if you are considering selling though, it’s not all bad news.
Let’s look at the latest news and see what bright spots there are for buyers this month.
Clients often ask if it’s worthwhile obtaining pre-approved finance. They want to know the benefits of going through the process.
The realisation of how hard it is to be a homeowner becomes all too clear when prospective buyers start the process of reviewing their finances, calculating how much deposit is
Buying a home is something that many Kiwis dream about – but it’s a significant financial investment, and many have trouble securing the money to purchase property. Luckily, if you co-buy a home with a trusted ally, you could make your property goals come true.
Managing your debt effectively can be a challenge, but there are comprehensive options out there for New Zealanders searching for solutions to their debt and mortgage issues. Debt consolidation and mortgage restructuring could be the right pathway for you.
Non-bank lending is an option for potential Kiwi homeowners & rental property investors, whether you’re looking to purchase your first home or are interested in making passive income by renting out investment properties. Non-bank lending options are gaining popularity in New Zealand’s financial landscape, offering NZ homeowners & investors an alternative to bank lenders.
As we move towards the end of the year, mortgage interest rate news continues to improve!
The OCR has been cut twice with predictions of further cuts on the radar.
The question that clients often ask is – what do we do in this interim period when rates are tracking downwards yet promise to go lower still?
Should you fix interest rates or should you consider a floating interest rate?