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Mortgage for Investment Property

Investment Property Mortgage in New Zealand

Getting an investment-property mortgage approved involves more than having a deposit or equity available. The lender assesses the borrower, the…

Going Unconditional

How to prepare to go unconditional on a property

During house hunting, your energy is likely spent on open homes, exploring areas, and settling debates about architecture and commute…

Mortgage Break Fees What You Need to Know

Mortgage Break Fees: What You Need to Know

If you are thinking about breaking a fixed-rate mortgage early, the first thing to understand is that there may be…

2025 Property Goals: Steps to save for a deposit, pay down your mortgage, and plan renovations for first-home buyers and property investors.

Make 2025 The Year You Reach Your Property Goals!

A new year is the perfect time to reflect and plan for the future. If New Year’s resolutions aren’t for…

Low Equity Margins and Premiums

What Is a Low Equity Margin or Premium in New Zealand?

A low equity margin, commonly called a LEM, is an additional interest-rate amount that some lenders may apply when a…

What do lenders look for in a home loan application?

What Do Lenders Look At In A Home Loan Application?

When you apply for a home loan in New Zealand, the lender reviews the information and evidence in your application. …

Interest Rates are Down; Time for First-Home Buyers to Get Up!

Interest Rates are Down; What it Means for First-Home-Buyers

Mortgage interest rates are on the move New Zealand mortgage interest rates have been steadily decreasing since August this year….

Responsible Lending Changes - Easier Home Loan Approvals

Borrowing Just Got Easier: Changes to the Responsible Lending Code

As of 31 July 2024, the New Zealand Government has loosened the Responsible Lending Code rules. The changes mean a…

Can I get the First Home Loan? What you need to know

Want a First Home Loan? What you need to know

We’re all aware that, with high prices and conservative lending, first-home buyers face greater challenges than before. Therefore, it’s crucial…

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