Introduction to Investment Properties Buying an investment property is one of the most popular ways Kiwis look to grow wealth and build long-term financial security. A residential investment property can provide regular rental income, potential capital gains as house prices increase, and diversification outside of your own home and investments out of the property industry. … Read more
Quick take: Your house deposit affects home loan approval, interest rates, and fees. The minimum preferred deposit for an existing home is often 20% of the property’s purchase price; however, low deposit pathways (e.g., First Home Loan) or low deposit loans are available if you meet the home loan eligibility criteria and the lender’s lending … Read more
Explore the pros and cons of fixing your mortgage and what to consider before locking in your interest rate. Table Of Contents: What Is a Fixed Rate Mortgage? Benefits of Fixed Rate Mortgages How Long Should You Fix Your Mortgage For? Fixed vs Floating Interest Rates Understanding Early Repayment Fees Comparing Home Loan Rates Using … Read more
Managing your mortgage can be about more than just making regular repayments — it can also be about smarter use of your money every day. If you’re looking for a flexible, powerful way to reduce interest costs and pay off your home loan faster, a revolving credit mortgage could be the right solution. At The … Read more
Refinancing your mortgage structure can be a powerful financial move, allowing you to reduce your interest costs, adjust your loan structure, and achieve long-term financial goals. Whether you’re looking to lower your monthly outgoings, consolidate debt, or access home equity, understanding the refinancing process is crucial. In this guide, The Advice Group (TAG) breaks down … Read more
Understanding the Mortgage Landscape in 2025 Navigating the mortgage market in 2025 requires a keen understanding of interest rates, economic conditions, and lender policies. With the official cash rate that is set by the Reserve Bank of New Zealand, mortgage interest rates continue to shift, affecting both new buyers and existing homeowners. As inflation trends … Read more
The Reserve Bank of New Zealand (RBNZ), also known as New Zealand Te Pūtea Matua, has released its first Official Cash Rate (OCR) announcement for 2025. As widely expected by market analysts, the Monetary Policy Committee has announced a 0.50% cut, bringing the OCR down to 3.75%. This decision aligns with the central bank’s goal … Read more
What are Interest Rates in NZ? Definition of Interest Rates Interest rates determine the cost of borrowing a lump sum of money, expressed as a percentage of the loan amount. In New Zealand, interest rates are essential for both borrowers and lenders, as they influence the overall cost of loans and the return on investments. … Read more
Navigating the mortgage market can feel overwhelming, especially when faced with so many options. Whether you’re buying your first home, refinancing, or investing in property, understanding the different types of home loans available is crucial to making informed decisions. The right mortgage for your situation depends on factors like your financial goals, income stability, and … Read more