To Break, or Not to Break…
That is the question! We explore break fees, and how to calculate the costs and benefits of breaking your fixed term early…
Economists Predict: What’s Next for Rates + House Prices?
What do leading economists foresee for 2025, and how might it impact us all?
Business Owner to Home Owner: How Banks Treat Self-Employed Income
Getting a mortgage as a business owner can present some unique challenges...
Our Interest Rate Predictions
Finally, interest rates are falling again, thanks to the Reserve Bank unexpectedly cutting the OCR. But will they keep falling? Should you fix your mortgage for a year and hope for lower rates in 12 months, or fix at a lower rate for two years?
First Home Buyer? You’ve (Still) Got Options
It may seem harder than ever to get on the property ladder. But don't lose hope: there are still a number of options available for first home buyers. In this blog post, we'll explore three of those...
Top Reasons a Bank Says No
If your bank says No to a mortgage, don’t be discouraged - some reasons for a declined mortgage can be specific to the lender - another lender could give you an approval...
The upcoming Tax Cuts: Pitiful… or Potential?
We’re about to get a (little) bit of extra income through tax cuts. What would happen if you put it straight into your mortgage, or KiwiSaver?
To Buy or Not To Buy, That is the Question…
Buying is undoubtedly more expensive than rent, but how much more - and is the investment worth it?
Is Now a Good Time to Refinance?
Refinancing your mortgage can be a very smart financial move. The timing, however, is crucial (and can be costly!)…
Top Reasons to Use a Mortgage Broker
Why a broker’s your best bet when it comes to locking down a mortgage…
Separation/Divorce + Home Ownership
If you’ve always had a joint income, can you afford a mortgage on your own?
Upping Your Credit Score (Before Applying for a Mortgage)
Improving your credit score is a crucial step in preparing for a mortgage. But how?
Fixed vs. Variable Interest Rates: Which Is Right for You?
Choosing between fixed and variable interest rates is a key decision in the home-buying process. Let’s discuss the advantages and disadvantages of both options…
Using Your Home Equity for Renos (+ Other Goals)
You can leverage the value you’ve built in your property to achieve other goals - like renovating your home, consolidating debts, or investing in other opportunities…
Exploring Non-Bank Mortgage Lenders
Not everyone qualifies for main bank lending, but that doesn't mean the end of your homeownership dreams…
What’s Your Credit Score + Why Does it Matter?
Your credit score tells a lender whether you are a high-risk borrower or a low-risk borrower…
Little Ways to Save Large!
Small changes can save you REAL big on your mortgage (and get your mortgage-free faster)…