Our Finance Blog

We discuss how maybe its a good idea to increase mortgage payments now. So the good news is interest rates have dropped again, and that means your next refix could be at a lower rate. and…

We’re sure that there are a lot of Kiwis that are happy to know that new granny flat rules will mean that you will be able to build a granny flat up to 70m² without needing…

Don’t join the thousands of Kiwi’s that choose a home loan that can trap them. You might have heard about people that have ended up in financial trouble with their mortgages and wondered how that has…

If you have less than 20% deposit and meet the Kainga Ora First Home Loan criteria then it’s a good option to go with, but you still need to decide which bank to go with. It’s…

It’s been almost 13 years since I created the Kiwi First Home Buyers Group and today we have 150,000 members. We’re pretty sure that this makes the Kiwi First Home Buyers Group the largest New Zealand…

We know that for most first home buyers the excitement of just getting a home loan approved feels like a win, but often it means that you do not end up getting the best bank for…

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…