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How to Calculate Yield on an Investment Property (And Why It Matters)
Want to know if your investment property is going to pay off? Learn how to calculate gross and net rental yield, and how this affects your mortgage approval.
15 Smart Ways to Increase Your Home’s Value and Unlock Equity for Investment
Looking to build a property portfolio? These smart, low-cost home upgrades can boost your home’s value—unlocking equity you can use for your next investment property.
Top Mistakes First-Time Property Investors Make (and How to Avoid Them)
Jumping into property investment without the right knowledge can be costly. From chasing cashflow without strategy to underestimating maintenance costs, we explore the most common mistakes new investors make—and how to avoid them.
The Official Cash Rate (OCR) Explained
The Official Cash Rate (OCR) is one of the most powerful levers the Reserve Bank has to steer New Zealand’s economy. It influences mortgage rates, inflation, spending, and even the exchange rate. Whether you're a homeowner, investor or saver, understanding how the OCR works is essential to making smarter financial decisions.
New Build vs Existing Home: Which Should You Buy?
Torn between building new or buying existing? This guide compares the financial, practical, and strategic pros and cons of each option for both first home buyers and investors.
Property Experts You Need on Your Team
Buying a property isn’t a solo mission. Whether you’re a first home buyer, investor, or planning a refinance, surrounding yourself with the right property experts can make the process faster, smoother, and more successful—often without significant cost.
Preparing For Your Mortgage – Documentation
Getting a mortgage approved doesn’t have to be stressful. With the right documents prepared ahead of time, you can speed up the process and give the bank everything they need to say yes.
Mortgage Glossary: Common Terms Every Home Buyer Should Know
Understanding mortgage jargon can make your home-buying journey a whole lot easier. Here’s a glossary of the most common mortgage terms in New Zealand, explained in plain English.
Can I Buy an Investment Property?
Thinking about buying an investment property? With deposit rules, equity usage, rental yields, and income testing all in play, it can feel more complex than a game of Monopoly. Here’s a breakdown of how to know if you’re in a position to invest—and what you’ll need to get across the line.
Ready To Buy: 3 Things Investment Property Buyers Can Do To Get Ready
Getting ready to buy your first investment property? It’s not as overwhelming as it might seem. From choosing the right ownership structure to stress-testing your numbers, here are three smart steps to set yourself up for success.
How Banks Decide If You Can Afford an Investment Property
Thinking of buying an investment property? Learn how banks assess whether you can afford it—including interest rate stress testing, rental income scaling, and credit limit assumptions—and what you can do to improve your approval odds.
Bank Declined Your Investment Property Mortgage? Here’s What to Do If It’s an Equity Hurdle
If your mortgage for an investment property was declined due to deposit or equity issues, don’t worry—you’ve got more options than you might think.
Declined for an Investment Property? What to Do When the Bank Says No Due to Credit History
If your mortgage application for an investment property has been declined due to your credit report, don’t panic—there are still ways forward.
The Top Fears Landlords Have About Tenants – And How to Manage Them
Every landlord has tenant-related fears, from unpaid rent to property damage. But with the right strategies and mindset, these challenges can be reduced or even avoided altogether. Here's how to turn landlord anxiety into confidence.
How Soon Can You Reapply for a Mortgage After Being Declined?
Getting declined for a mortgage can feel disheartening, but it's far from the end of the road. Whether it was due to income, deposit, or credit history, there are plenty of strategies to turn things around—and possibly reapply much sooner than you think.
Interest-Only Mortgages: When They Work—and When They Don’t
Interest-only mortgages can be a powerful financial tool—when used strategically. This guide breaks down who they’re right for, when banks will say yes, and why they’re not a long-term solution.
Buying a House with Bitcoin – Can It Be Done in NZ?
With cryptocurrency rising in popularity, it’s natural to wonder: can you buy property in New Zealand using Bitcoin? While the idea is tempting, the reality is more complicated than it may seem.
Pets in Rental Properties: Should Landlords Say Yes or No?
With law changes on the horizon, landlords are being asked to rethink their stance on pets in rental properties. But is allowing furry friends a smart move—or a risk not worth taking? This blog explores the pros and cons of pet-friendly rentals in light of New Zealand’s upcoming Residential Tenancies Amendment Bill.