Mortgages

TL;DR This article explains the key mortgage tests used in New Zealand: DTI (Debt-to-Income), LVR (Loan-to-Value Ratio), and UMI (Uncommitted Monthly Income). These tests are used by lenders to assess how much you can borrow and whether you can afford it. Understanding how each test works can help you prepare for the mortgage application process […]

Buying your first home in New Zealand is both exciting and daunting. With deposit requirements, KiwiSaver withdrawals, government grants, and fluctuating interest rates, it’s easy to feel overwhelmed. This comprehensive guide walks you through every step — from how to boost your deposit using KiwiSaver and the First Home Grant, to navigating mortgage pre-approval, low-deposit

Buying a home in New Zealand is a dream for many, but with strict lending criteria, you may be wondering: how can I increase how much I can borrow from the bank? Whether you’re a first-time buyer or looking to upgrade, boosting your borrowing power can open up more property options and improve your financial

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

If you’re a homeowner in New Zealand or planning to become one, you may be wondering what a mortgage offset account actually is, and how it can save you thousands in interest over time. In this guide, we’ll explain how mortgage offset accounts work, their pros and cons, and whether they’re the right fit for

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