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.

Anne Miel 3/24/25 Anne Miel 3/24/25

What Does LVR Mean?

LVR (Loan-to-Value Ratio) is one of the most important mortgage terms to understand. It tells you how much of your property is financed through lending—and can affect your approval, interest rate, and more.