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How Does A Student Loan Affect A Mortgage Pre-Approval?
Got a student loan? Here’s how it really affects your mortgage application—and when paying it off could help you borrow more.
Construction Mortgages – Turn-Key vs Progress Payment Contracts
Choosing between a turn-key or progress payment contract is one of the first major decisions in a construction project. Here's how they work, how banks view them, and what you should watch out for.
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.
Renovate Your Home or Pay Down Your Mortgage?
Should you put your savings into home improvements or your mortgage? This guide explores the pros, cons, and clever strategies for making the right financial and lifestyle call.
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.
Bank Declined Your Investment Property Mortgage? Here’s What to Do If It’s an Equity Hurdle
If your mortgage for an investment property was declined due to deposit or equity issues, don’t worry—you’ve got more options than you might think.
The Bank Said No Because of My Income
An income decline doesn’t mean the end of the road. Learn how banks calculate affordability—and what you can do to overcome the income hurdle when investing in 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 Top Fears Landlords Have About Tenants – And How to Manage Them
Every landlord has tenant-related fears, from unpaid rent to property damage. But with the right strategies and mindset, these challenges can be reduced or even avoided altogether. Here's how to turn landlord anxiety into confidence.
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.
How Soon Can You Reapply for a Mortgage After Being Declined?
Getting declined for a mortgage can feel disheartening, but it's far from the end of the road. Whether it was due to income, deposit, or credit history, there are plenty of strategies to turn things around—and possibly reapply much sooner than you think.
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.
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.
Can I Buy a Home With Friends?
Buying a home with friends can help you onto the property ladder sooner—but it’s not without its challenges. From legal ownership structures to long-term financial planning, this guide unpacks the pros, cons, and practical steps involved in co-owning a property with mates in New Zealand.
What is a Reverse Mortgage?
Reverse mortgages let retirees unlock equity in their homes without selling or making repayments. Learn how they work, how much you can borrow, and whether they’re the right solution for your retirement.
Interest-Only Mortgages: When They Work—and When They Don’t
Interest-only mortgages can be a powerful financial tool—when used strategically. This guide breaks down who they’re right for, when banks will say yes, and why they’re not a long-term solution.
Fixed Price vs Cost Reimbursement: How to Navigate Cost Fluctuations in Build Contracts
Fixed-price building contracts have long been a go-to option for homeowners wanting price certainty—but in today’s construction climate, “fixed” doesn’t always mean what it used to. With inflation, supply chain issues and labour shortages still affecting the market, homeowners need to understand the mechanics (and risks) of cost fluctuation clauses and their alternatives.
Revolving Credit vs Floating Mortgage Account: What’s the difference?
Fixed-term mortgages may be the norm, but savvy borrowers often turn to floating and revolving credit accounts for flexibility and interest savings. So, what’s the difference—and when should you use each?
Can Flatmate Income Help You Get a Mortgage in NZ?
Having flatmates can be a smart way to reduce your mortgage faster—but when it comes to applying for the loan, banks have strict limits on how much flatmate income they’ll count. In this article, we explore how lenders view flatmates, how much income they’ll accept, and how to make that extra cash work for you once you’re in your new home.
Calculating The Interest On Your Progress-Payment Construction
Building with a progress-payment contract? Unlike turn-key builds, you’ll pay interest as the project progresses. This article breaks down how to estimate total interest costs, account for construction delays, and determine whether you can borrow to cover these expenses.