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Our Latest Articles

3 Things Investment Property Buyers Can Do To Get Ready

So you’ve decided to purchase an investment property, here are first 3 things you can do to get the ball rolling.

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What does a million dollars buy you in the major cities

With Covid-19 lockdowns, working from home has become the new norm. It’s highly probable that buyers who were previously looking to purchase in the larger cities will now be looking…

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Preparing For Your Mortgage - Documentation

Getting a mortgage can be stressful and a lot of that stress is caused by waiting for the bank to make their offer. You can significantly reduce wait time by…

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Revolving Credit, Floating Account, Mortgage

Most homeowners are familiar with fixed-term mortgages.  Over 80% of NZ mortgages are on some sort of fixed-term; the majority are currently for 1 to 2 years.  But it’s easy…

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Ready to Buy: 3 Things First Home Buyers Can Do Today

Purchasing your first home can be confusing.  The key to being ready to buy is to be organised.  Here are 3 things that first home buyers can do today to…

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Investment Mortgages and Interest Only

In recent years, the Reserve Bank has been working on reducing the amount of Interest Only mortgages in New Zealand. In the article below, we look at how it affects…

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How Do I Calculate Yield?

When you’re looking for an investment property, you are often either looking for capital growth or yield (ideally a positive cash return).  There’s a quick and easy trick that we,…

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Can I buy an investment property?

Homeownership is the dream and goal of 99% of New Zealanders.   Once achieved, homeowners often to turn to buying their first investment property. How much deposit do you need for…

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How Do I Get a Mortgage

A lot of the nerves that first home buyers feel when they decide to buy is around the mortgage.  When the maximum loan you’ve ever applied for is a $2,000…

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How To Calculate Break Costs And Decide if it a Good Strategy

For the past 12 years, interest rates (both mortgage and the Official Cash Rate) have been decreasing.  That means that almost everyone who has fixed their mortgage at some point…

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Flatmates and your mortgage

So you’re looking to purchase. Could a flatmate help you purchase a more expensive house? Will a bank take that extra income into account? How much interest will flatmate income…

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When Should You Transfer Your Overseas Savings If You're Buying A Home In NZ

With the long-term effects of Covid-19 still unknown, a lot of Kiwi expats are returning from overseas with the intention to purchase a home. That means bringing money home and…

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Deposits: How much do you need for your first home?

If you have less than 20% deposit, you are referred to (by the banks) as a Low Equity (or Deposit) Borrower.  You are required to meet a different set of…

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How the Removal of High LVR Restrictions Affects You

On 30th April 2020, the Reserve Bank announced the removal of LVR restrictions (here is an article on the changes to LVR restrictions) on banks in New Zealand.  From 2013-2020,…

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How Expat Kiwis Can Buy Property in NZ and Return Home

With the Covid-19 pandemic, there has been a huge resurgence in expat Kiwis who have decided that NZ is, indeed, the best place in the world. Both Real Estate Agents…

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Stop looking at the Performance of House Prices

Almost every potential house buyer, at some point, will utter some version of the words “what are house prices doing at the moment?”.  It’s an understandable concern.  You don’t want…

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App of the month – Pocketsmith

If you’ve ever watched one of the Mortgage Lab’s webinars or Facebook livestreams, you will most likely have heard us rave about this app of the month.  It’s one of…

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When to get your Accounts done

If you happen to be a salary earner, proving your income is relatively easy.  As long as your Employer issues decent quality Payslips, you can provide the 3 most recent…

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