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

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.

Rupert Gough 4/22/25 Rupert Gough 4/22/25

What Are Terraced Houses—and Are They a Good Buy?

Terraced housing is rapidly rising in popularity throughout New Zealand’s urban centres. But what exactly are terraced houses—and are they the right choice for first home buyers or investors? We explain how they work, what to look out for, and why they could (or might not) be a smart addition to your property plans.

Rupert Gough 4/21/25 Rupert Gough 4/21/25

What to Check Before Buying a Property in New Zealand

Doing your homework before buying a home is one of the most important ways to reduce risk and avoid future regret. From LIMs to valuations, we break down what to check, who to talk to, and how to be a confident buyer before you make an offer.

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.

Anne Miel 4/14/25 Anne Miel 4/14/25

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.

Anne Miel 4/10/25 Anne Miel 4/10/25

Mortgagee Sales in NZ: Bargain or Big Risk?

Mortgagee sales can look like a steal—but they come with unique risks that every buyer must understand. From no guarantees on condition to potentially evicting the previous owner yourself, here’s what you need to know before signing anything.

Anne Miel 4/10/25 Anne Miel 4/10/25

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.

Anne Miel 4/8/25 Anne Miel 4/8/25

6 Tips for Bidding at Auction (and How to Prepare Like a Pro)

Buying at auction is fast, transparent, and often rewarding—but it’s also not for the faint-hearted. This guide covers everything from preparation to bidding tactics to help you win the auction without blowing your budget.

Anne Miel 4/7/25 Anne Miel 4/7/25

9 Tips for Making a Winning Offer by Tender

Thinking about making an offer by tender? Unlike auctions, tenders give you more flexibility, but success still hinges on preparation and strategy. In this guide, we share expert tips—beyond just price—to help you stand out and secure your dream property. From crafting a compelling offer to understanding the fine print, here’s what every buyer needs to know.

Anne Miel 4/6/25 Anne Miel 4/6/25

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.

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

Property Experts You Need on Your Team

Buying a property isn’t a solo mission. Whether you’re a first home buyer, investor, or planning a refinance, surrounding yourself with the right property experts can make the process faster, smoother, and more successful—often without significant cost.

Rupert Gough 3/29/25 Rupert Gough 3/29/25

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.

Anne Miel 3/28/25 Anne Miel 3/28/25

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.

Anne Miel 3/24/25 Anne Miel 3/24/25

Getting a Divorce and a Mortgage – What You Need to Know

Dividing the spoons is one thing, but sorting your mortgage post-divorce is quite another. Whether you're buying out your ex, purchasing a new home, or simply trying to understand how separation impacts your ability to borrow, here’s what you need to know.

Anne Miel 3/24/25 Anne Miel 3/24/25

What Does LVR Mean?

LVR (Loan-to-Value Ratio) is one of the most important mortgage terms to understand. It tells you how much of your property is financed through lending—and can affect your approval, interest rate, and more.

Anne Miel 3/23/25 Anne Miel 3/23/25

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.

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

What Happens When You Buy a House in New Zealand?

Buying your first home can feel like stepping into the unknown. From pre-approval to popping the champagne on settlement day, here’s a full breakdown of what actually happens when you buy a house—minus the jargon and surprises.

Anne Miel 3/17/25 Anne Miel 3/17/25

Buying a House with Bitcoin – Can It Be Done in NZ?

With cryptocurrency rising in popularity, it’s natural to wonder: can you buy property in New Zealand using Bitcoin? While the idea is tempting, the reality is more complicated than it may seem.

Rupert Gough 3/11/25 Rupert Gough 3/11/25

What Is an Easement? Understanding Property Rights in New Zealand

Easements are a common and often misunderstood part of property ownership in New Zealand. Whether you're buying a brand-new townhouse or an existing home, understanding easements—what they are, how they work, and when to worry about them—can help you avoid costly surprises.