Rupert Gough 5/26/25 Rupert Gough 5/26/25

What Is Contract Works Insurance?

If you’re building or renovating a home in New Zealand, contract works insurance might be one of the most important policies you’ve never heard of. This specialised cover protects your home—while it's still under construction—from risks that ordinary house insurance doesn’t touch.

Rupert Gough 5/5/25 Rupert Gough 5/5/25

When Do You Need a Registered Valuer’s Report When Purchasing a House?

A Registered Valuer’s Report is often essential when buying or building a home in New Zealand. Here’s when you might need one, what it involves, and why it’s different from other types of property estimates

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 4/11/25 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.

Anne Miel 3/27/25 Anne Miel 3/27/25

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.

Anne Miel 3/20/25 Anne Miel 3/20/25

Fixed Price vs Cost Reimbursement: How to Navigate Cost Fluctuations in Build Contracts

Fixed-price building contracts have long been a go-to option for homeowners wanting price certainty—but in today’s construction climate, “fixed” doesn’t always mean what it used to. With inflation, supply chain issues and labour shortages still affecting the market, homeowners need to understand the mechanics (and risks) of cost fluctuation clauses and their alternatives.

Anne Miel 3/19/25 Anne Miel 3/19/25

Calculating The Interest On Your Progress-Payment Construction

Building with a progress-payment contract? Unlike turn-key builds, you’ll pay interest as the project progresses. This article breaks down how to estimate total interest costs, account for construction delays, and determine whether you can borrow to cover these expenses.