Rupert Gough 4/16/25 Rupert Gough 4/16/25

What Happens to Your KiwiSaver When You Die?

Many Kiwis don’t realise that their KiwiSaver balance becomes part of their estate when they die. Learn how to ensure your funds are passed on according to your wishes, and avoid unnecessary delays for your loved ones.

Rupert Gough 4/16/25 Rupert Gough 4/16/25

Small Steps: Review Your Direct Debits

Tired of money quietly disappearing from your account each month? One small step that can make a big difference is reviewing your automatic payments and direct debits. This quick financial tidy-up could help you cancel forgotten subscriptions and free up extra cash.

Rupert Gough 4/16/25 Rupert Gough 4/16/25

9 Mistakes to Avoid When Applying for a Construction Loan

Thinking about building your dream home in New Zealand? Construction loans can be a great way to finance a new build—but they come with their own challenges. Learn how to avoid the most common mistakes and navigate the process with confidence.

Rupert Gough 4/16/25 Rupert Gough 4/16/25

Understanding Leasehold Property Ownership in New Zealand

Leasehold property ownership is a unique form of tenure where you own the building but not the land beneath it. This guide covers the pros and cons of leasehold in New Zealand, key terms, common risks, and the crucial questions to ask before you buy.

Rupert Gough 4/16/25 Rupert Gough 4/16/25

What to Check Before Buying a Property in New Zealand

Doing your homework before buying a home is one of the most important ways to reduce risk and avoid future regret. From LIMs to valuations, we break down what to check, who to talk to, and how to be a confident buyer before you make an offer.

Rupert Gough 4/16/25 Rupert Gough 4/16/25

How to Use the Equity in Your Own Home to Buy an Investment Property

Using the equity in your current home can be a powerful way to get onto the investment property ladder without needing a big cash deposit. This blog breaks down what equity is, how to calculate it, and how to unlock it to grow your property portfolio—step by step.

Anne Miel 4/16/25 Anne Miel 4/16/25

Small Steps: Update Your KiwiSaver Contact Details

Have you moved house recently or changed your email address? Updating your KiwiSaver contact details might not be top of your to-do list, but it’s one of the simplest steps you can take towards keeping your retirement savings on track. This month’s Small Steps guide explains why it matters and how to get it sorted—fast.

Anne Miel 4/16/25 Anne Miel 4/16/25

Why Leveraged Property Investment Can Mean Higher Returns

Leveraged property investment is one of the most powerful ways to grow wealth through real estate. By using borrowed funds—typically through a mortgage—you can maximise your investment potential, increase your returns, and even build a diverse property portfolio. But while leverage can amplify gains, it can also increase risk. In this blog, we explore what leveraging really means, how it works in New Zealand’s property market, and what you need to watch out for.

Anne Miel 4/15/25 Anne Miel 4/15/25

When Should You Get Your Business Accounts Done for a Mortgage Application?

Self-employed and applying for a mortgage? Your financial accounts are key to proving your income. This guide explains when banks need your latest accounts and why getting them sorted early can make all the difference.

Anne Miel 4/14/25 Anne Miel 4/14/25

What Is Price by Negotiation?

Buying a house listed as “Price by Negotiation” can feel a bit uncertain—but it also comes with flexibility and the opportunity to negotiate a deal that suits both you and the vendor. Here’s how to approach this style of sale with confidence.

Anne Miel 4/13/25 Anne Miel 4/13/25

Should I Pay Down My Mortgage or Contribute to KiwiSaver?

If you’ve got extra income, you might be wondering whether it’s better to reduce your mortgage or invest it into your KiwiSaver. The answer depends on your goals, timeframe, and financial situation. We break down the numbers, the risks, and the long-term implications so you can make the smartest decision for your future.

Anne Miel 4/13/25 Anne Miel 4/13/25

The Real Cost of Credit Cards on Your Mortgage Capacity

Credit cards are useful tools for everyday expenses, but they can seriously limit your ability to borrow for a home—regardless of how much you owe. Learn how lenders treat credit limits, how to optimise your financial position, and why trimming your plastic could be the key to unlocking your first (or next) mortgage.

Anne Miel 4/12/25 Anne Miel 4/12/25

Can I Get a Top-Up on My Mortgage?

Whether you're renovating your home, consolidating debt, or looking to make a large purchase, a mortgage top-up can give you access to your equity. But before you apply, it’s important to understand the rules, risks, and how banks assess your application.

Anne Miel 4/11/25 Anne Miel 4/11/25

Pocket money into KiwiSaver – how to maximise compound interest

Could pocket money be more than just coins for snacks? By funnelling part of your child’s allowance into KiwiSaver, you can harness the power of compound interest to give them a serious head start for retirement. Here's how one family is doing it—and why starting early makes all the difference.

Anne Miel 4/10/25 Anne Miel 4/10/25

Mortgagee Sales in NZ: Bargain or Big Risk?

Mortgagee sales can look like a steal—but they come with unique risks that every buyer must understand. From no guarantees on condition to potentially evicting the previous owner yourself, here’s what you need to know before signing anything.

Rupert Gough 4/9/25 Rupert Gough 4/9/25

What to Do if Your KiwiSaver Drops Before Buying Your First Home

You’ve found the perfect first home, but there’s a problem—your KiwiSaver has taken a hit due to a dip in the market. Suddenly, the deposit you were relying on isn’t quite enough. Don’t panic. Here’s what to do when your KiwiSaver drops in value just as you’re about to buy, and how to protect yourself with a smart strategy moving forward.

Anne Miel 4/8/25 Anne Miel 4/8/25

6 Tips for Bidding at Auction (and How to Prepare Like a Pro)

Buying at auction is fast, transparent, and often rewarding—but it’s also not for the faint-hearted. This guide covers everything from preparation to bidding tactics to help you win the auction without blowing your budget.

Anne Miel 4/7/25 Anne Miel 4/7/25

9 Tips for Making a Winning Offer by Tender

Thinking about making an offer by tender? Unlike auctions, tenders give you more flexibility, but success still hinges on preparation and strategy. In this guide, we share expert tips—beyond just price—to help you stand out and secure your dream property. From crafting a compelling offer to understanding the fine print, here’s what every buyer needs to know.

Anne Miel 4/6/25 Anne Miel 4/6/25

What Happens When You Go to Buy Your Next House?

Buying your second or third home can be more complex than your first. Whether you're upgrading, downsizing or relocating, this blog explores the different paths you can take—buying before selling, selling before buying—and how bridging loans, pre-approvals, and due diligence all play a role.

Anne Miel 4/4/25 Anne Miel 4/4/25

The Income Hurdle: Why Most Kiwi Investors Only Own One Investment Property

Most Kiwi investors stop at one rental property—but it’s not due to lack of interest. The real hurdle is income. In this article, we break down why the majority of investors struggle to grow their portfolio and what you can do to overcome the income barrier.