Helpful articles and market updates to help you stay informed

Clawbacks Explained: Why You Might Get a Bill if You Switch Banks Too Soon

LIM Reports, Builders Reports, and Valuations: What the Bank Actually Requires

Buying at Auction: How to Prepare Your Finances for the Hammer

Turnkey vs. Construction: The Head-to-Head True Cost Showdown

Building Your Dream Home: Construction Loans & Progress Payments Explained

Buying Off-The-Plan in NZ: The Timeline, Turnkey Mortgages, Sunset Clauses, and Hidden Risks

What is a Redraw Facility? New Zealand’s Under-the-Radar Mortgage Feature

Revolving Credit vs. Offset Mortgages: Which is Right for You?

Offset Mortgages Explained: The Bucket Saver Strategy

Revolving Credit Facilities Explained: A Really Useful Tool for Disciplined Savers

The $150k Catch: Why Banks Are Terrified of Leasehold Properties

Buying a Cross Lease Property: The Pros, the Cons, and What Your Bank Thinks

What Are Body Corporate Fees? And Are They Actually Worth It?

Buying a Unit Title? What Your Bank is Actually Looking For

Interest-Only Mortgages: When Are They Actually a Smart Financial Move?

Student Loans and Mortgages: Do You Have to Pay It Off Before You Buy?

The Hidden Mortgage Factors: How Childcare and Insurance Costs Can Affect Your Borrowing Power

The Stress Test: Why the Bank Tests You at ~7% When Current Rates Are Lower

Do Overtime and Bonuses Actually Count Toward Your Mortgage Income?

Maternity & Parental Leave: How It Affects Your Mortgage (And How to Get Approved)

Afterpay, Laybuy, and Mortgages: Do Buy-Now-Pay-Later Schemes Ruin Your Chances?

Gifted Deposits vs. Genuine Savings: Why the Bank Treats Them Differently

Can I Use a Personal Loan to Top Up My House Deposit? (The Short Answer: No)

Your Money, Your Morals: A No-Nonsense Guide to Ethical Investing and your KiwiSaver