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When looking for a home loan, primarily you have two main options: a mortgage broker or the bank directly. The choice between using a mortgage broker or getting a home loan directly from a bank will depend upon one's individual preference but do consider the below....

After years of low-interest rates in New Zealand, the interest rates have been going up continuously for some time now. In fact, interest rates have been going up in many other countries as well, partly because of the economic measures taken by the central banks...

There is no denying the fact that hard work gets you there but the fact also remains that working smart gets you there faster. In today's dynamic world, home loans are not a set and forget transaction and the periodical reviews of your home loans can save you...

What is Business Loan? A business loan is funds borrowed from a business loan provider such as a bank or finance company, which is specifically planned for business functions that must be repaid-with interest over a period of time. When will I need a business loan?...

If you're looking to buy an investment property, then using the equity on your current property to take out a property investment loan is one way to do it (without putting down a hefty cash deposit).   What is Equity & how does it work? Equity is calculated...

There has been a lot of talk in the market and media about the banks tightening their lending and indeed this is hurting the first home buyers the most. As a home loan finance company, we have seen a significant change in the way the banks are currently assessing the...

Housing affordability has been an ongoing issue in New Zealand for some time, and with ever increasing house prices, this problem has only been getting worse over the years. Auckland is the worst hit but most parts of the rest of the country are not left unaffected by...

Gone are the days where home loans were ‘set & forget’ loans to be repaid in 30-years. Now, it pays to review your lending portfolio often and restructure it or refinance so you can reduce years off your loan and save money over the long-term. There are a number...

The New Zealand residential property market is heating up with no sign of slowing down. In the last three-months, we have seen residential properties sore with an average property value increase of 6.27% since December 2020. That means the same property valued at...

Being a first time home buyer, there are lots of question in your mind such as "How much money do I need to buy a home?" "How much can I borrow?" "How much do I need for a deposit?" "What would be the interest rate?" "What are the eligibility criteria?" As a mortgage...