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 the housing market at the time. Likewise, the size and term of your mortgage was appropriate to your income and outgoings at that time. You had a new home, lots of set-up costs and were just finding your feet […]

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 jargon that lie ahead. If someone’s using these abbreviations without first explaining what they mean, be sure to ask. There are no silly questions when it comes to making good […]

How much income should go to my mortgage?

Whether you’re a first home buyer, looking for your next place or building a home, one of the most important rules is to know what you can realistically afford. And what you can afford isn’t the same as what you could pay if you really squeeze every last drop out of your income. It means […]

A complete guide to bridging finance

Bridging finance can help when buying or building a new house before selling your old one. In other words bridging finance lets you get from property A to property B, before you get the money for property A. However, a bridging loan is just a temporary structure. You need to repay it as soon as […]

Guide to buying a second home in NZ

If you’ve owned a property for a few years you could have a good amount of equity tied up in it, particularly after the increase in property values during the Covid years. It may be possible to use this equity for the deposit on another investment property. This other property could be your next family […]

How much can you borrow for a mortgage in New Zealand?

Going shopping for a home – either your first or your next – is always an exciting time. The secret to making it a positive experience is having a realistic picture of how much you can afford to pay, so that you can view properties that fall within your budget. To get the clearest view […]