February 26, 2025
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...
Category Archives: Mortgage Broker
January 20, 2025
Mortgage Break Fees: What You Need to Know
Breaking a fixed-term mortgage usually incurs break fees. These fees vary, so understanding your break fees is vital when deciding...
January 17, 2025
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...
December 18, 2024
Less Than 20% Home Deposit? Understanding Low Equity Margins and Premiums
Buying your own home with less than 20% deposit is possible! While 20% is the magic number for getting your...
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...
July 1, 2024
The DTI Restrictions are Here – What Does This Mean?
As of 1 July 2024, Debt-to-Income (DTI) restrictions have been introduced as an additional affordability check for lenders to complete...
May 30, 2024
End of Financial Year Tax Tips for NZ Property Investors
End of Financial Year Tax Tips for NZ Property Investors Tax season can be daunting, but it’s a great time for...