Paul Starkey

Paying off your mortgage faster can save you hundreds of thousands of dollars in interest and help you achieve financial freedom years earlier. In New Zealand, where the average mortgage term is 25 to 30 years, even small changes in how you manage your repayments can make a huge difference. Whether you’re a new homeowner

In New Zealand’s property market, competition can be fierce, especially in popular suburbs or for homes in first-home buyer price brackets. Whether you’re a first-time buyer or seasoned investor, getting your offer accepted often comes down to how well you prepare and structure your offer. Sellers want certainty, speed, and simplicity. This article shares proven

What Is a Pre-Settlement Inspection? A pre-settlement inspection is your legal right as a buyer in New Zealand. It gives you a chance to confirm that the property is still in the agreed condition, that all the promised chattels are present, and that nothing has changed for the worse since you signed the sale and

I recently received an email from a real estate agent promoting a townhouse in Christchurch. On the surface, it looks like a solid investment opportunity. But some of the language used raised red flags for me, particularly around how yield and value are represented. Here’s the full email I received:   Hi Paul A fantastic

TL;DR Mortgage brokers in New Zealand offer access to a wide range of lenders, including major banks and specialist non-bank lenders, giving you more choice and flexibility than going directly to one bank. Brokers are usually free to use. They’re paid by the lender (not by you), and are legally required to disclose how they’re

Buying your first home in New Zealand is exciting, but it can also be overwhelming. From understanding your borrowing capacity to securing a mortgage and making an offer, there are many steps involved. This guide shares the best tips for first home buyers in NZ to help make the process as smooth and informed as

When buying property in New Zealand, many borrowers turn to mortgage brokers to help navigate the home loan process. While brokers offer valuable services, one of the most common questions is how much they actually cost. This guide explains the typical costs, how brokers are paid, and when fees may apply. Are Mortgage Brokers Free

TL;DR Mortgage brokers in New Zealand typically earn through commissions paid by lenders, usually between 0.65% and 0.85% of the loan amount upfront, plus a smaller trail commission of 0.15% to 0.20% annually while the loan remains active. Brokers do not usually charge borrowers directly. Earnings vary based on loan volume and lender agreements. How