Our Latest Articles

Our Latest Articles

Current NZ Mortgage Rates

Date Published: 27 May 2024

Click here to find the latest NZ Interest Rates for major banks. Info for current home owners and new buyers.

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Flatmates and Your Mortgage

Date Published: 16 May 2024

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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How To Calculate Break Costs And Decide If It Is A Good Strategy

Date Published: 15 May 2024

For the past 16 years, interest rates (both mortgage and the Official Cash Rate) have been on a roller-coaster journey.  That means that almost most people who have fixed their…

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When to Get Your Business Accounts Done

Date Published: 8 May 2024

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 slips…

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Deposits: How much do you need to buy your first home?

Date Published: 19 April 2024

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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The Official Cash Rate (OCR) Explained

Date Published: 2 April 2024

As of 2nd April 2024, the Official Cash Rate (OCR) for New Zealand is set at 5.5%. What is the Official Cash Rate? The Official Cash Rate (OCR) is an…

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The Real Cost of Credit Cards on Your Mortgage Capacity

Date Published: 28 March 2024

New Zealanders are no strangers to credit cards, but while these cards are a mainstay in many wallets, they can also be a stumbling block on the path to home…

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Pay Down Your Mortgage Or Save Into Your KiwiSaver?

Date Published: 27 March 2024

It’s a question we get asked a lot. If we have an extra amount of money in our salary, should we use the money to pay down our mortgage or…

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Why Leveraged Property Investment Can Mean Higher Returns

Date Published: 26 March 2024

If you’re not in finance, you probably most often hear and see the word “leverage” discussed negatively. News articles about failed investors and companies will no doubt (accurately) list overleverage…

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What Could NZ Mortgage Rates Be In 2025?

Date Published: 25 March 2024

As we approach the end of the first quarter in 2024, many New Zealanders with mortgages are contemplating their financial futures amidst a dynamic and unpredictable economic landscape. Understandably, one…

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4 tips to making an offer by Tender

Date Published: 10 January 2024

Recently we looked at some tips for bidding at an auction.  But what if the house you love is for sale by tender?  Tenders are much less time-pressured than auctions…

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Purchasing at Auction – A Step by Step Guide

Date Published: 9 January 2024

Buying at auction can be exciting but also intimidating. Much like your year 5 school production, knowing what to do and when to do it will help you feel more…

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Small Steps – Update Your KiwiSaver Contact Details

Date Published: 8 January 2024

If you have ever tried to tidy up your financial affairs, it can be overwhelming to try and do everything at once.  Like most big projects, the best way to…

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The worst financial decision you can make

Date Published: 7 January 2024

Saving is a long, slow process. That’s why so many of us are so bad at it. You could put $20 aside every week and after a year, you’ll have…

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Mortgage Deposit: Can I take out a loan to increase my deposit?

Date Published: 6 January 2024

As you may know from our other blogs, there are some key levels of deposit that you need to get to in order to buy a new home. The main…

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The One Bank Trap and The Several Bank Nightmare

Date Published: 5 January 2024

A common phrase in mortgage world is the “one bank trap”. It’s when you have all your lending with one bank which gives the policy makers at the bank all…

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5 Things To Know About Your Mortgage Pre-Approval Letter of Offer

Date Published: 4 January 2024

Good news! You’ve completed your application, handed over a mountain of paperwork (just kidding, our system is paperless) and now you’re pre-approved for your mortgage! After a phone call from…

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Where Am I Going To Find My Mortgage Deposit?

Date Published: 3 January 2024

One of the simplest ways to grow your deposit is KiwiSaver. Below, we take a quick look at how quickly your deposit could grow and the numbers around this. Let’s…

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