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 […]
What is a Goldilocks Market?
While we are still at stage 7 of the Property Cycle, which is the best time to invest in property, the market has moved to what is called “Goldilocks market”. A Goldilocks market refers to a market that is “just right” — not too hot (overheating) and not too cold (stagnant or in decline). In […]
Trauma Insurance: Why It’s Just as Vital as Life Cover for Kiwis
Most Kiwis are familiar with life insurance: an essential policy if you’ve got debts to pay and family who rely on you. But many don’t hold a trauma insurance policy despite the fact it’s often just as important as life cover. This gap could leave thousands of Kiwis vulnerable – so what’s the story with […]
Is Private Health Insurance Right for You? Key Benefits and Considerations
How much would private Health Insurance benefit you? Private Health Insurance is a type of health coverage provided by private companies (rather than the government) to help individuals or families pay for medical expenses. In NZ some of the most popular and well-known brands for health insurance include Southern Cross, NIB and Partners Life. Private […]