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Mortgage Arrears in New Zealand: What It Means and What You Can Do

Being behind on your mortgage is stressful. If you’ve fallen behind on your mortgage repayments and the pressure is building,…

Using Equity to Buy an Investment Property in New Zealand

You may be able to use equity in your home or another property to help fund the deposit for an…

lending test rate

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…

Bankrupt?

Mortgage After Bankruptcy NZ | Rebuild Toward Home Ownership

A discharged bankruptcy does not always close the door to home ownership. Rebuilding toward home ownership after bankruptcy often depends…

5 Potential Benefits and Risks of Investment Property in New Zealand

1. Rental Income Can Help Offset Property Costs A residential investment property may produce regular rent. That income can help…

Close-up of a hand holding a rubber stamp with the word 'mortgage arrears' printed on it.

What Happens When You Miss a Mortgage Payment?

If you miss a mortgage payment in New Zealand, it does not immediately mean you will lose your home. However,…

Non-Bank Lenders: The Pros and Cons

Pros and Cons of Non Bank Lenders in NZ (Is it Right for You?)

A non bank lender can create a pathway when a bank’s policy does not fit.  This flexibility may come with…

Using a Guarantor to Get a Mortgage in New Zealand

Using a Guarantor to Get a Mortgage in New Zealand

A guarantor mortgage allows a parent or family member to support your home loan by agreeing to repay the debt…

The First Home Grant is Gone: What Does This Mean For First-Home Buyers?

The First Home Grant is Gone: What Does This Mean For First-Home Buyers?

Is the First Home Grant Still Available in New Zealand? No. The First Home Grant closed to new applications at…

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