Everything first-home buyers need to know about deposits in New Zealand this year TL;DR In 2025, most first-home buyers in NZ will need a 10–20% deposit depending on the type of property and lender. Some government-backed loans may allow deposits as low as 5%. This post breaks it all down with real examples and next […]
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Frequently Asked Questions If you’re a homeowner in New Zealand or planning to become one, you’ve likely heard of “mortgage offset accounts.” But what is a mortgage offset account in NZ, exactly, and how can it help you save on the amount of interest you’ll pay? In this guide, I’ll unpack everything you need to
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How Mortgages Work in New Zealand Let’s be real, getting a mortgage in New Zealand feels more complex than ever. With interest rates moving, LVR rules changing, and every bank doing things slightly differently, it’s easy to feel overwhelmed. Whether you’re a first-home buyer, an investor, or looking to upgrade, understanding how mortgages work in
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