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 4/15/25 Anne Miel 4/15/25

When Should You Get Your Business Accounts Done for a Mortgage Application?

Self-employed and applying for a mortgage? Your financial accounts are key to proving your income. This guide explains when banks need your latest accounts and why getting them sorted early can make all the difference.

Anne Miel 4/13/25 Anne Miel 4/13/25

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.

Anne Miel 4/12/25 Anne Miel 4/12/25

Can I Get a Top-Up on My Mortgage?

Whether you're renovating your home, consolidating debt, or looking to make a large purchase, a mortgage top-up can give you access to your equity. But before you apply, it’s important to understand the rules, risks, and how banks assess your application.

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

The Income Hurdle: Why Most Kiwi Investors Only Own One Investment Property

Most Kiwi investors stop at one rental property—but it’s not due to lack of interest. The real hurdle is income. In this article, we break down why the majority of investors struggle to grow their portfolio and what you can do to overcome the income barrier.

Anne Miel 3/31/25 Anne Miel 3/31/25

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.