Rupert Gough 4/25/25 Rupert Gough 4/25/25

Mortgage Strategies for Self-Employed and Gig Economy Workers

Navigating the mortgage process as a self-employed or gig economy worker in New Zealand presents unique challenges. This blog explores practical strategies for proving income, improving creditworthiness, and strengthening your home loan application.

Rupert Gough 4/24/25 Rupert Gough 4/24/25

When is the Right Time to Refinance Your Mortgage?

Refinancing your mortgage can unlock substantial financial benefits—but only if done at the right time. Discover the key indicators that signal when refinancing is the smartest move for your financial future.

Rupert Gough 4/23/25 Rupert Gough 4/23/25

How Does a Prenup Affect Your Application for a Mortgage?

Thinking about getting a mortgage with your partner? A prenup might not be the first thing on your mind—but it could be one of the smartest. Here’s how a contracting out agreement (prenup) can affect your mortgage application and protect your financial future.

Anne Miel 4/23/25 Anne Miel 4/23/25

Weekly vs Monthly Mortgage Payments: Which Is Better?

It’s a common myth that switching from monthly to weekly mortgage payments will save you thousands. While there is a small interest saving, it’s not as much as many think. We break down the numbers—and explain when weekly payments might actually pay off.

Rupert Gough 4/22/25 Rupert Gough 4/22/25

What Are Terraced Houses—and Are They a Good Buy?

Terraced housing is rapidly rising in popularity throughout New Zealand’s urban centres. But what exactly are terraced houses—and are they the right choice for first home buyers or investors? We explain how they work, what to look out for, and why they could (or might not) be a smart addition to your property plans.

Rupert Gough 4/21/25 Rupert Gough 4/21/25

Refinancing for Property Investors: What You Need to Know

Refinancing isn’t just for owner-occupiers looking for a better rate—it’s a powerful strategy for property investors too. Whether you're aiming to improve cash flow, restructure lending, access equity or simply take control of your property portfolio, refinancing can help sharpen your investment edge.

Rupert Gough 4/21/25 Rupert Gough 4/21/25

What to Check Before Buying a Property in New Zealand

Doing your homework before buying a home is one of the most important ways to reduce risk and avoid future regret. From LIMs to valuations, we break down what to check, who to talk to, and how to be a confident buyer before you make an offer.

Rupert Gough 4/20/25 Rupert Gough 4/20/25

What Happens to Your KiwiSaver When You Die?

Many Kiwis don’t realise that their KiwiSaver balance becomes part of their estate when they die. Learn how to ensure your funds are passed on according to your wishes, and avoid unnecessary delays for your loved ones.

Rupert Gough 4/19/25 Rupert Gough 4/19/25

Understanding Leasehold Property Ownership in New Zealand

Leasehold property ownership is a unique form of tenure where you own the building but not the land beneath it. This guide covers the pros and cons of leasehold in New Zealand, key terms, common risks, and the crucial questions to ask before you buy.

Rupert Gough 4/18/25 Rupert Gough 4/18/25

9 Mistakes to Avoid When Applying for a Construction Loan

Thinking about building your dream home in New Zealand? Construction loans can be a great way to finance a new build—but they come with their own challenges. Learn how to avoid the most common mistakes and navigate the process with confidence.

Rupert Gough 4/17/25 Rupert Gough 4/17/25

Small Steps: Review Your Direct Debits

Tired of money quietly disappearing from your account each month? One small step that can make a big difference is reviewing your automatic payments and direct debits. This quick financial tidy-up could help you cancel forgotten subscriptions and free up extra cash.

Rupert Gough 4/16/25 Rupert Gough 4/16/25

How to Use the Equity in Your Own Home to Buy an Investment Property

Using the equity in your current home can be a powerful way to get onto the investment property ladder without needing a big cash deposit. This blog breaks down what equity is, how to calculate it, and how to unlock it to grow your property portfolio—step by step.

Anne Miel 4/16/25 Anne Miel 4/16/25

Small Steps: Update Your KiwiSaver Contact Details

Have you moved house recently or changed your email address? Updating your KiwiSaver contact details might not be top of your to-do list, but it’s one of the simplest steps you can take towards keeping your retirement savings on track. This month’s Small Steps guide explains why it matters and how to get it sorted—fast.

Anne Miel 4/16/25 Anne Miel 4/16/25

Why Leveraged Property Investment Can Mean Higher Returns

Leveraged property investment is one of the most powerful ways to grow wealth through real estate. By using borrowed funds—typically through a mortgage—you can maximise your investment potential, increase your returns, and even build a diverse property portfolio. But while leverage can amplify gains, it can also increase risk. In this blog, we explore what leveraging really means, how it works in New Zealand’s property market, and what you need to watch out for.

Anne Miel 4/15/25 Anne Miel 4/15/25

When Should You Get Your Business Accounts Done for a Mortgage Application?

Self-employed and applying for a mortgage? Your financial accounts are key to proving your income. This guide explains when banks need your latest accounts and why getting them sorted early can make all the difference.

Anne Miel 4/14/25 Anne Miel 4/14/25

What Is Price by Negotiation?

Buying a house listed as “Price by Negotiation” can feel a bit uncertain—but it also comes with flexibility and the opportunity to negotiate a deal that suits both you and the vendor. Here’s how to approach this style of sale with confidence.

Anne Miel 4/13/25 Anne Miel 4/13/25

Should I Pay Down My Mortgage or Contribute to KiwiSaver?

If you’ve got extra income, you might be wondering whether it’s better to reduce your mortgage or invest it into your KiwiSaver. The answer depends on your goals, timeframe, and financial situation. We break down the numbers, the risks, and the long-term implications so you can make the smartest decision for your future.

Anne Miel 4/13/25 Anne Miel 4/13/25

The Real Cost of Credit Cards on Your Mortgage Capacity

Credit cards are useful tools for everyday expenses, but they can seriously limit your ability to borrow for a home—regardless of how much you owe. Learn how lenders treat credit limits, how to optimise your financial position, and why trimming your plastic could be the key to unlocking your first (or next) mortgage.

Anne Miel 4/12/25 Anne Miel 4/12/25

Can I Get a Top-Up on My Mortgage?

Whether you're renovating your home, consolidating debt, or looking to make a large purchase, a mortgage top-up can give you access to your equity. But before you apply, it’s important to understand the rules, risks, and how banks assess your application.

Rupert Gough 4/11/25 Rupert Gough 4/11/25

What Is Split Banking?

Split banking is a strategic move for property investors that spreads your lending across multiple banks rather than relying on a single lender. It provides more control, better access to equity, and flexibility when expanding your portfolio or selling a property.