September 24, 2025
Non Bank vs Bank Home Loans in NZ: When Each Makes Sense
Choosing between a bank and a non bank lender can feel confusing. Banks usually have sharper rates if you fit...
August 8, 2025
Lending Test Rate NZ Update: Impact on Borrowing Power
Update 2025: Banks and non-banks continue to adjust the lending test rates they use to calculate loan affordability. These changes...
August 7, 2025
Mortgage After Bankruptcy in NZ
Yes, you can get a mortgage after being discharged from bankruptcy – but it comes with its challenges. It takes...
July 24, 2025
5 Reasons an Income Property Is a Great Investment
NZ Market Update: 2025 Snapshot Before diving into the five reasons, let’s take a look at the current property investment...
July 23, 2025
What Happens When You Miss a Mortgage Payment?
In this article we discuss the impact of missing a mortgage payment, and what to do. Missing a mortgage payment...
How soon can you re-apply after your mortgage application was declined?
We hear the phrase “My mortgage application was declined” on almost a daily basis. With the current tight lending rules,...
Pros and Cons of Non Bank Lenders in NZ (Is it Right for You?)
Non-bank lenders can help when the bank says no—but they’re not always the right fit. This guide walks through the...
Using a Guarantor to Get a Mortgage in New Zealand
Getting finance for your first home can be challenging. In some cases, a guarantor provides the support needed to meet...
July 22, 2025
The First Home Grant is Gone: What Does This Mean For First-Home Buyers?
On the 22nd of May, the New Zealand Government unexpectedly announced the cancellation of the First Home Grant. Applications submitted...