The Learning Centre.

Articles and guides to give you a head start in the home loan market.

First home buyer.

Buying your first home is a journey with many steps. Each step is easier when you understand the whole process.

First home buyer’s guide

Buying a house to live in is the number one Kiwi strategy for getting ahead. Not only do you get a place to call your own, you also set yourself up to build long term wealth through equity.

Understanding mortgage acronyms and terminology

When you’re thinking about buying your first home or moving up to your next home, it helps to get your head around the acronyms and terminology used in the home loan industry.

Your guide to getting a mortgage

A mortgage is just a loan secured against a property. If you can’t pay it back, the lender can sell the property to get their money.

A complete guide to first home loan grants and KiwiSaver

If you’re a first home buyer, there are Government grants and KiwiSaver benefits available that could help you get into your first home sooner.

New rules for first home owner support

Recent changes to the first home grant and first home loan schemes have opened the door to more New Zealanders looking to buy their first home.

What credit score do I need to buy a house in New Zealand?

Your credit score is one of the things a lender will check when you apply for a home loan. Here’s what you need to know about credit scores in NZ.

Next home buyer.

When it’s time for a bigger, better or different type of house, it helps to get up-to-speed with current best practice.

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Guide to buying a second home in NZ

Whether you’re looking to upgrade, downsize, or buy a holiday home, there’s a lot to consider when buying a second property.

Planning a property portfolio for retirement income

Property investment is one of the most popular strategies for building retirement income in New Zealand.

Investing in property.

Investing in property is the Kiwi way to build wealth and pay for retirement. We’ll help you to hit the ground running.

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How do I calculate yield on a property investment?

The yield on any investment usually refers to how much money it makes each year as a percentage of the total cost of the investment.

A first-timer’s guide to investing in property

Investing in property is one of the most popular wealth-building strategies in New Zealand. Here’s what you need to know to get started.

Refinancing or reviewing.

The home loan market never stands still, so it’s important to regularly review your situation with a view to improvements.

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A guide to why, when, and how to refinance your mortgage

Change is constant. When you set up your mortgage originally, the interest rates were applicable to that time. Markets move, and your circumstances change too.

How many times can you refinance your home loan?

Refinancing is when you change the terms of your existing mortgage, either with the same lender or by switching to a new one.

How to move your mortgage to another bank or lender

Moving your mortgage to another bank or lender is easier than you might think, and could save you thousands of dollars over the life of your loan.

Refinancing your mortgage after a breakup or divorce

Separating from a partner is stressful enough without having to worry about the mortgage. Here’s what you need to know about refinancing after a breakup.

Refixing your mortgage soon? Here’s what’s going on with interest rates

If your fixed rate is coming up for renewal, here’s a quick overview of what’s happening with interest rates and what your options are.

When to refinance your mortgage?

You should review your mortgage every couple of years. Here are some situations where it makes sense to refinance.

Renovating or building.

When you’re building a home from scratch or renovating an existing property, financial planning needs to be spot on.

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A guide to new-build construction loans

Buying a house off the plans that hasn’t been built yet can seem pretty scary. You’re usually signing up a year or more in advance.

What does it cost to build a house in NZ?

Building a new home is a big commitment. Here’s a guide to help you understand the costs involved in building a house in New Zealand.

Reverse mortgages.

A reverse mortgage lets you borrow against some of the value in your home, without having to sell or even make repayments until you’re ready to move into full-time care or you pass away.

A complete guide to reverse mortgages

A reverse mortgage lets you borrow against some of the value in your home, without having to sell or move out.

What is a reverse mortgage?

A reverse mortgage is a loan that lets homeowners aged 60+ access the equity in their home without having to sell.

The Learning Centre.

First home buyer.

Next home buyer.

Investing in property.

Refinancing or reviewing.

Renovating or building.

Reverse mortgages.

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