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
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.
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.
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.
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.
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.
Small Steps: Check Your Credit Score
Your credit score can impact everything from getting a mortgage to signing up for a new phone plan. This Small Steps blog encourages you to check your credit score now—before you need it.