The worst financial decision you can make
Date Published: 7 January 2024
Saving is a long, slow process. That’s why so many of us are so bad at it. You could put $20 aside every week and after a year, you’ll have…
How Do I Calculate Yield on an Investment Property?
Date Published: 2 November 2023
When buying your own home, you need to be good at negotiating with your partner over issues such as whether an outdoor pizza oven is a must-have or a nice-to-have.…
App of the Month – Gaspy
Date Published: 12 August 2023
We all enjoy saving a bit of money, especially if you’re looking to buy your first home or if you’ve just got your first mortgage. There are all sorts of…
Better Budget – The Spindel Laundry Dryer
Date Published: 12 August 2023
At least once a month, we try to bring you an unusual outside-the-box method to save money. Recently we’ve introduced you to Pocketsmith.com and shown you how cleaning your heat…
Small Steps – Credit Report
Date Published: 13 July 2023
In today’s world, having a strong credit report is essential for achieving financial success. Your credit report not only determines your eligibility for loans and credit cards, but it also…
Budgeting with PocketSmith
Date Published: 28 April 2023
If you’ve ever watched one of the Mortgage Lab’s webinars or Facebook livestreams, you will most likely have heard us rave about this app. It’s one of our favourites –…
Pocket money into KiwiSaver – how to maximise compound interest
Date Published: 16 August 2022
Could parents use KiwiSaver as a method for rewarding children in the form of pocket money? Read on to see how one of our clients is successfully doing it and…
Prepare, Don’t Panic – 3 things to do right now to prepare for a recession (and 1 thing you shouldn’t)
Date Published: 9 June 2022
We are entering an unprecedented time. The Reserve Bank has announced an Official Cash Rate increase from the historic low of 0.25% up to 2%. Some economists expect a recession…
Applying for Financial Hardship as a Property Owner In A Covid-19 World
Date Published: 1 September 2021
This article is current as of 1 September 2021 It’s Covid-19 lockdown déjà vu for New Zealand. While most of the country is now at level 3 Auckland will remain…
Better Budget – All About Your Heat Pump
Date Published: 24 May 2021
Heat pumps are great. They are efficient and quick to work. In fact, GenLess says that a heat pump is the most energy-efficient way of using electricity to heat your home.…
Everything you need to know about debt
Date Published: 29 April 2021
Debt can be a bit of a scary word, but don’t worry, this is a safe space! This article covers what it is, how it affects your mortgage application and…
银行永远不会告诉你的小秘密 – 使用多个银行
Date Published: 21 March 2021
银行是企业，目标是赚钱并成为该行业的领先品牌。这是与大多数其他企业的目标相同，归根结底，它们都是很注重销售的。因此不用说，他们不太可能为您提供涉及使用多个银行的建议。以下有两条提示是银行不会告诉你们的 。
Ready To Buy: 3 Things First Home Buyers Can Do Today
Date Published: 11 July 2020
Purchasing your first home can be confusing, getting organised can help. Here are 3 things that you can do today to get ready to apply for your mortgage. Order your…
2 Bank Account Tips The Banks Will Never Tell You
Date Published: 21 March 2020
Banks are businesses and their goal is to make money and become the leading brand in the industry. This is the same goal as most other businesses and their reputation…
How Does A Student Loan Affect A Mortgage Pre-Approval?
Date Published: 15 March 2020
First home buyers are often nervous about the size of their Student Loan and how it will affect their chance of getting a mortgage. But how much does it really…
How much does a Credit Card affect your lending?
Date Published: 1 March 2020
Kiwis like Credit Cards… a lot. If you’ve got 10 minutes, you could get one online right now (don’t). And the price for easily-acquired, unsecured debt is usually ~20% p.a.…
If you quit smoking, how fast could you pay down your mortgage?
Date Published: 3 February 2020
Smoking is a difficult habit to quit but there are some powerful motivators to do so. For some, it’s the wish to live a healthier, longer life. For others, it’s…
Your mortgage rate is 8%
Date Published: 26 April 2018
Repeat after me.“The interest rate I pay on my mortgage is 8%…”“The interest rate I pay on my mortgage is 8%…” No it’s not You’re right, it probably isn’t. If…