Topics
- Accountants
- Apartments
- Auctions
- Bank Account Advice
- Bank Statement Tips
- Bitcoin
- Boarders
- Break Fees
- Budgeting Tips
- Building A Home
- Building Inspections
- Code of Compliance
- Compound Interest
- Construction
- Construction Mortgage
- Conveyancing
- Credit Cards and Lending
- Credit Limits and Lending
- Credit Reports
- Credit vs Student Loan
- Current Mortgage
- Deposit
- Deposit vs Income
- Divorce
- Financial Literacy
- Financial Preparation
- First Home Buyer
- Fixed vs Floating
- Flatmates
- Health and Finance
- Home Buyer
- Home Equity
- Home Safety
- Homeowner Tips
- Income Hurdles
- Inflation
- Interest Rates
- Joint Tenancy
- Kainga Ora First Home Loan
- KiwiSaver
- LIM Report
- Leasehold
- Lending Criteria
- Life Insurance Tips
- Loan Repayment Tips
- Loan-to-Value Ratio (LVR)
- Low Deposit Lending
- Member Tax Credit
- Mortgage Advice
- Mortgage Affordability
What Your Mortgage Application and Tinder Profile Have in Common (But Shouldn’t)
Your mortgage application isn’t the place for filters and flair—learn how to prep your finances so the bank says “yes,” and keep the Tinder content where it belongs.
How to Get a Mortgage in New Zealand: The 7-Step Process for First Home Buyers
Getting a mortgage can feel overwhelming—especially if it’s your first. This guide walks you through the 7 essential steps to secure your home loan in New Zealand.
Your mortgage rate is 8%
Your interest rate might be 6% or less—but planning as if it were 8% could save you thousands and cut your loan term in half.
How Offset Mortgages Work in New Zealand
Offset accounts are a smart tool for mortgage holders with savings—offering the ability to reduce interest without locking funds away. Here’s how offset mortgages work, who they’re good for, and when to consider one as part of your home loan structure.
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.
It’s OK If You Don’t Understand the KiwiSaver Member Tax Credit… Just Don’t Miss Out
The KiwiSaver Member Tax Credit is one of the simplest ways to boost your retirement or first home savings—yet many New Zealanders either don’t understand it or forget to take advantage. Here’s how it works, why it matters, and what to do before 30 June each year.
How much does a Credit Card affect your lending?
Your credit card limit—not your balance—can reduce how much a bank will lend you for a mortgage. Here’s how to fix it and borrow more.
Fixing or Refixing Your Mortgage: 3 Questions to Ask Before You Lock In
Whether you're fixing your mortgage for the first time or refixing an expiring loan, asking the right questions can save you thousands. Here’s what to consider before you commit to a new term.
Ready To Buy: 3 Things First Home Buyers Can Do Today
Buying your first home? Here are three practical things you can do today to prepare for your mortgage and improve your chances of approval.
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.
10 Annual Home Maintenance Tasks Most Homeowners Forget
These 10 home maintenance tasks should be done annually—but most people forget. Tick them off to protect your home, avoid costly repairs, and feel smugly accomplished.
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.
How Does A Student Loan Affect A Mortgage Pre-Approval?
Got a student loan? Here’s how it really affects your mortgage application—and when paying it off could help you borrow more.
Construction Mortgages – Turn-Key vs Progress Payment Contracts
Choosing between a turn-key or progress payment contract is one of the first major decisions in a construction project. Here's how they work, how banks view them, and what you should watch out for.
How to Improve Your Credit Report in NZ: Small Steps That Make a Big Difference
Your credit report can make or break your mortgage application. Here are five practical steps you can take today to strengthen it—no financial overhaul required.
Renovate Your Home or Pay Down Your Mortgage?
Should you put your savings into home improvements or your mortgage? This guide explores the pros, cons, and clever strategies for making the right financial and lifestyle call.
The Rule of 72: A Simple yet Powerful Financial Tool to Estimate Investment Growth
The Rule of 72 is a quick and simple tool to estimate how long it will take your money to double, based on a fixed return rate. Learn how it works and how to use it for savings, investing, and property.
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.
The Bank Said No Because of My Income
An income decline doesn’t mean the end of the road. Learn how banks calculate affordability—and what you can do to overcome the income hurdle when investing in property.
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.