Our Finance Blog

We discuss three options available for buying your first home with just 5% deposit, and point out the criteria that might limit you and the additional costs that you need to be aware of. These options…

Shared home ownership has become more popular in New Zealand but there is still a lot of people that have not considered it as an option for them, and maybe there is a lack of knowledge…

It’s important to get the right home loan, and that means understanding mortgage repayments as that is what can save you a lot of money over the long term. I think a lot of people do…

Tax arears and tax debt can be a real issue for lots of Kiwis, and instead of trying to make arrangements with the IRD many are now reaching out to experts to arrange tax debt loans…

Do you want to get a mortgage approval but your existing debt stopping you? It is quite a common situation where existing debts and other financial commitments mean the banks will not provide a mortgage approval,…

Do you think you cannot refinance from a non-bank to a bank yet? Maybe it’s time to think again. There are a number of reasons that you might have gone to a non-bank lender with your…

When you have a chance you should review your home loan and the first question you should ask is if you have the best home loan. Yes, that’s questioning if you have the “best” home loan…

Are you thinking of purchasing your first home in 2025? Well looking at how things are shaping up we believe a lot of things are aligning that could make it a good year for first home…

New Year’s resolutions often focus on diet, exercise, and lifestyle changes. But after a tough 2024, we would expect a lot of people are thinking about their own finances and avoiding or reducing financial stress for…

With interest rates changing so much and trending downwards, you need to rethink what you’re doing with your home loan. It’s more important than ever to have a strategy so that you can take advantage of…

So the good news is interest rates are coming down and therefore when you refix your mortgage you could be paying less, but dropping interest rates also present a great opportunity for you. If you have…

If you intend to buy your first home using the Kāinga Ora low deposit First Home Loan scheme then you need to be aware of the eligibility and the maintenance clause that they have – Kāinga…

KiwiSaver is being used as a large part of the deposit for first home buyers’ so it’s worth spending a little time to understand the options. Of course it’s great that people are managing to save…

Here is an opportunity to secure a brand new 2-bedroom townhouse in Henderson, Auckland. Brand new and move in ready, with hi-spec kitchen with quality Bosch appliances, streamlined handle-free cabinetry and a glossy black benchtop. The…

If you’re buying a first home, then one of the key things that you need is the deposit. Don’t let a low deposit stop you from trying! Buying With Your Low Deposit Of course a large…

You don’t know what you don’t know – it’s a saying that I use quite often. Let me explain … I remember one of my first jobs was selling televisions for a home appliance retailer in…

I’ve been a mortgage adviser for over 25-years, focused heavily on helping first home buyers and have seen many initiatives specifically for first home buyers come and go over that time. These have been introduced over…

We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser. To help answer this we…

If you are on the pathway to home ownership you will benefit from these savings tip’s for first home buyers. Create Your Budget If you are serious about saving then you need a written plan, and…

Often winter can be a good time for buying your first home – there are generally less people out looking, so less competition. Some people prefer to look at houses in winter too as it’s generally…