April 23, 2025
Can I get a mortgage for an investment property?
If you’re wondering if you can buy an investment property, you’re not alone! Investment properties are one of the most...
Category Archives: Lending Criteria
November 4, 2024
What do lenders look for in a home loan application?
What do lenders look for in a home loan application? When preparing to apply for a home loan, it can...
August 30, 2024
Borrowing Just Got Easier: Changes to Lending Test Rates
As of August 2024, many of the major banks and non bank lenders have decreased the lending test rate they...
August 11, 2024
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...
November 7, 2022
Mortgage Preparation
Saving for a deposit on a house? Read on for other key steps to prepare your finances when applying for...
October 3, 2022
How does a student loan affect getting a mortgage?
Does a student loan affect getting a mortgage? If you earned a degree recently, then there’s a good chance you’re...
August 7, 2022
Everything You Need to Know About Credit Scores
What is a credit score? What is a good credit score? Your credit score is a rating given to you...
May 16, 2022
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,...
April 6, 2022
What are the Mortgage Lending Criteria in NZ?
Are you looking to buy a home and want to know what the banks will look at when considering your...