Our Finance Blog

If you intend to buy your first home using the Kāinga Ora low deposit First Home Loan scheme then you need to be aware of the eligibility and the maintenance clause that they have – Kāinga…

KiwiSaver is being used as a large part of the deposit for first home buyers’ so it’s worth spending a little time to understand the options. Of course it’s great that people are managing to save…

Here is an opportunity to secure a brand new 2-bedroom townhouse in Henderson, Auckland. Brand new and move in ready, with hi-spec kitchen with quality Bosch appliances, streamlined handle-free cabinetry and a glossy black benchtop. The…

If you’re buying a first home, then one of the key things that you need is the deposit. Don’t let a low deposit stop you from trying! Buying With Your Low Deposit Of course a large…

You don’t know what you don’t know – it’s a saying that I use quite often. Let me explain … I remember one of my first jobs was selling televisions for a home appliance retailer in…

I’ve been a mortgage adviser for over 25-years, focused heavily on helping first home buyers and have seen many initiatives specifically for first home buyers come and go over that time. These have been introduced over…

We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser. To help answer this we…

If you are on the pathway to home ownership you will benefit from these savings tip’s for first home buyers. Create Your Budget If you are serious about saving then you need a written plan, and…

Often winter can be a good time for buying your first home – there are generally less people out looking, so less competition. Some people prefer to look at houses in winter too as it’s generally…

Yes, you read that right – as part of our commitment to help protect more New Zealanders, we’re pleased to bring you our latest offer of 3-months free from premiums on new eligible policies. We’re presenting…

As mortgage advisers with mortgages of our own we have never liked how the banks promote the idea of the easy ‘one-click’ refixing of loans on the banking Apps or websites. We do understand that it’s…

It’s not a nice position to be in – when your mortgage is in arrears and the bank is pressurising you to catch up the repayments or face having the bank sell your home. It can…

Buying my first home – is it really worth the effort or should I wait? For first home buyers, deposit is generally one of the biggest hurdles that they have, and especially in the larger centres….

Aera introduced us to the Ownership Accelerator as a groundbreaking co-ownership product which was on track to launch as soon as the bank support was locked in, but unfortunately despite them receiving positive feedback and indications…

We have a few banks in New Zealand, but only three offer an Offset Home Loan (BNZ, Kiwibank and Westpac) which is surprising given how popular they are as a way to easily manage your money…

We hear people saying that you do not need a mortgage adviser as you can go directly to the bank, and it’s true that you can … BUT is that the right thing to do? Should…

What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a low deposit now or wait and save…

Nurses and people that work in the medical industry often struggle to get home loans (mortgages) with banks. It’s not because they don’t deserve them, they actually do excellent jobs and generally work very, very hard….

Over recent years, and especially since COVID more and more people are making money online and this includes those people that are full time and the many Kiwis now working online as a part-time gig or…

Buying your first home in 2024: Is it Worth the effort or should you wait? Is it worth making the effort to buy in 2024, or should you wait and save until you have a higher…