OCR cut to 3.50% & Property Market Holding Steady 🏡
The Reserve Bank of New Zealand (RBNZ) delivered its latest OCR cut today of 25 basis points sliding it down to 3.50%. This update was accompanied with a Monetary Policy Review (not the more detailed Statement due on May 28). A further cut in May remains expected, but beyond that, future decisions will depend heavily […]
Buying your First Home and Worried About a Drop in Your KiwiSaver Balance? Here’s What Not to do!
If you’re a first-home buyer, you might be worried that your KiwiSaver balance has taken a hit this week and you were hoping to use that to purchase your first home soon. You’re not alone. Global share market volatility, driven by recently imposed trade tariffs and economic uncertainty has impacted many KiwiSaver accounts, particularly those […]
Buying Your First Home in NZ? Here’s How to Negotiate Like a Pro
Buying your first home is an exciting milestone, but it can also feel overwhelming—especially when it comes to negotiation. In our competitive property market, knowing how to negotiate effectively can make all the difference in getting a fair deal. Whether you’re buying at auction, through private sale, or negotiating on a new build, here’s how […]
Unlocking Your Home Equity: A path to Property Investment
The New Zealand property market has long been a cornerstone of wealth building, and for many homeowners, their greatest asset is right beneath their feet—home equity. If you’ve built up significant equity in your home, you may be sitting on an opportunity to expand your investment portfolio by leveraging that equity to purchase a second […]
Refinancing Your Home Loan Could Save You Thousands
When it comes to managing your finances, one of the most valuable decisions you can make is to refinance your mortgage. Refinancing is the process of restructuring an existing loan or possibly replacing it with a whole new loan, to achieve better financial terms. You might want to shorten the term, secure a lower interest rate […]
Refinance Mortgage to Consolidating Your Debt
Debt can feel overwhelming, but refinancing can be a smart way to manage and pay it off more efficiently. Whether you have a mortgage, personal loans, or credit card debt, refinancing allows you to consolidate and secure better terms, helping you take control of your financial future. What is Refinancing? Refinancing involves replacing an existing […]
How to get your Mortgage Cashback
Money is better in your back pocket, and by refinancing your loan you could be eligible for a mortgage cashback today. A mortgage cashback is a lump sum of payment that your bank or lender offers you as an incentive for choosing or switching a home loan with them. It’s like the cherry on top […]
KiwiSaver and your First Home Purchase
Purchasing your first home is an exciting milestone, and for many Kiwis, KiwiSaver is a valuable tool that can help make first home ownership a reality. If you’re planning to use your KiwiSaver savings to help purchase your first home, here’s what you need to know, including when KiwiSaver clawback fees may apply. KiwiSaver allows […]
Buying a home in 2025? Benefits of a Financial Adviser vs. going direct to the bank.
Access to a Wide Range of Lenders & Products When you go directly to a bank, you’re limited to the mortgage products the bank offers. However, a Financial Adviser works with multiple lenders — including all major NZ banks and non-bank lenders. This means they can present you with a broader range of options that […]
Mortgage tips for your New Year Financial Resolutions
Now is the perfect time to look at your financial goals, but sticking to those resolutions can be a challenge. Whether it’s securing your dream home, refinancing your mortgage, or creating passive income through a property investment, the journey to financial success starts with expert advice. Let’s break down how to make your New Year […]