Educational articles to help you understand the NZ mortgage market, lending options, and what to consider before making financial decisions.
Most NZ home buyers default to their existing bank. Here's what that decision actually means — and what you might not be considering.
The deposit question is the first thing nearly every first home buyer asks. Here's how much deposit you actually need in NZ — the 20% rule, low-deposit pathways, KiwiSaver, gifted deposits, and worked examples on a $500k and $800k house.
The fixed vs floating question comes up for every borrower at every refix. Here's what each option actually means — and why the answer isn't the same for everyone.
Self-employed borrowers often assume getting a mortgage will be harder than it needs to be. Here's how lenders actually assess self-employed income in NZ.
Investment property lending in Auckland has its own rules, its own lender considerations, and its own strategic implications. Here's how it works.
Should you use a mortgage broker, or just go straight to your bank? Here's a straight answer on what a broker does, who benefits most, and why it's usually free to you.
For many first home buyers, KiwiSaver is the single biggest piece of the deposit. Here's how the first home withdrawal works, who qualifies, and how it fits with your overall deposit strategy.
Articles explain concepts — but your situation is specific. Book a no-obligation strategy call with Nick to get clarity on your options.
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