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Mortgage Strategies for Self-Employed and Gig Economy Workers
Navigating the mortgage process as a self-employed or gig economy worker in New Zealand presents unique challenges. This blog explores practical strategies for proving income, improving creditworthiness, and strengthening your home loan application.
What Is Price by Negotiation?
Buying a house listed as “Price by Negotiation” can feel a bit uncertain—but it also comes with flexibility and the opportunity to negotiate a deal that suits both you and the vendor. Here’s how to approach this style of sale with confidence.
When Should You Transfer Your Overseas Savings if You’re Buying a Home in NZ?
Returning to New Zealand with overseas savings? When to transfer your money can make a big difference to your deposit. Here’s what to consider before exchanging your funds into New Zealand dollars.
What Happens When You Go to Buy Your Next House?
Buying your second or third home can be more complex than your first. Whether you're upgrading, downsizing or relocating, this blog explores the different paths you can take—buying before selling, selling before buying—and how bridging loans, pre-approvals, and due diligence all play a role.
What happens if a Registered Valuation Report isn’t high enough?
A Registered Valuer’s Report is often a key part of getting a mortgage approved—especially when you’re borrowing more than 80%. But what happens if the report comes in lower than expected? In this blog, we explore the implications of a low valuation and how it affects your home-buying power.
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 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.
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.
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.
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.
The Mindset You Need to Get into Your First Home
Buying your first home can feel out of reach—but it isn’t. With the right mindset, practical tools, and a solid plan, home ownership is possible. Here's how to get ready, inside and out.