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.

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.

Rupert Gough 4/9/25 Rupert Gough 4/9/25

What to Do if Your KiwiSaver Drops Before Buying Your First Home

You’ve found the perfect first home, but there’s a problem—your KiwiSaver has taken a hit due to a dip in the market. Suddenly, the deposit you were relying on isn’t quite enough. Don’t panic. Here’s what to do when your KiwiSaver drops in value just as you’re about to buy, and how to protect yourself with a smart strategy moving forward.

Anne Miel 3/30/25 Anne Miel 3/30/25

Mortgage Deposit: Can I Take Out a Loan to Increase It?

Banks love to see savings discipline—but what if you’re just short of the deposit you need? Can you borrow the difference to hit your 10% or 20% mortgage deposit goal? We unpack whether loans, credit cards, or finance company top-ups are a smart (or even allowed) way to bridge the gap.

Anne Miel 3/30/25 Anne Miel 3/30/25

Can I Buy an Investment Property?

Thinking about buying an investment property? With deposit rules, equity usage, rental yields, and income testing all in play, it can feel more complex than a game of Monopoly. Here’s a breakdown of how to know if you’re in a position to invest—and what you’ll need to get across the line.