Anne Miel 3/31/25 Anne Miel 3/31/25

What happens if a Registered Valuation Report isn’t high enough?

A Registered Valuer’s Report is often a key part of getting a mortgage approved—especially when you’re borrowing more than 80%. But what happens if the report comes in lower than expected? In this blog, we explore the implications of a low valuation and how it affects your home-buying power.

Anne Miel 3/30/25 Anne Miel 3/30/25

Mortgage Deposit: Can I Take Out a Loan to Increase It?

Banks love to see savings discipline—but what if you’re just short of the deposit you need? Can you borrow the difference to hit your 10% or 20% mortgage deposit goal? We unpack whether loans, credit cards, or finance company top-ups are a smart (or even allowed) way to bridge the gap.

Rupert Gough 3/28/25 Rupert Gough 3/28/25

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

Wondering how much deposit you need to buy a house in New Zealand? Here's the 2025 guide to 5%, 10%, and 20% deposit options—and how to make yourself bank-ready.