[ { "post_id": "264", "post_category_id": "5", "post_title": "Should You Restructure Your Mortgage for More Flexibility in Retirement?", "post_content_short": "As retirement gets closer, it’s worth looking at whether your mortgage is set up for what comes next. Paying it off may be the goal, but you\n\tmay also want money available for unexpected expenses, travel or helping your children into a home.\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/264\/Should-You-Restructure-Your-Mortgage-for-More-Flexibility-in-Retirement.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/should-you-restructure-your-mortgage-for-more-flexibility-in-retirement\/", "post_date": "2026-10-07 22:52:48" }, { "post_id": "263", "post_category_id": "5", "post_title": "How Does Changing Jobs or Income Affect Your Mortgage?", "post_content_short": "A new job, a pay rise or a move into self-employment can change more than your working week. It can also affect how a bank assesses your\n\tincome and whether your mortgage still fits your budget.\n\n

 \n

\n\tAn income change does not automatically put your property plans on hold. The key is understanding what it means before you apply for lending\n\tor commit to your next move. Here are the questions I would work through with you.\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/263\/KPMimage29.09.26.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/how-does-changing-jobs-or-income-affect-your-mortgage\/", "post_date": "2026-10-01 01:45:18" }, { "post_id": "262", "post_category_id": "5", "post_title": "Why Do Different Banks Offer Different Mortgage Amounts", "post_content_short": "You might expect every bank to offer you roughly the same mortgage amount. After all, your income, deposit and expenses don’t change when\n\tyou approach a different lender.\n\n

\n\tBut banks can assess the same situation differently. Following my <\/a>recent\n\tnewsletter about whether rent could cover mortgage repayments<\/a>,\n\tthis is another useful question to explore: how much could the choice of lender affect your borrowing options?\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/262\/Why-Do-Different-Banks-Offer-Different-Mortgage-Amounts.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/why-do-different-banks-offer-different-mortgage-amounts\/", "post_date": "2026-09-23 21:00:23" }, { "post_id": "261", "post_category_id": "5", "post_title": "5% Deposits Are Back in the Headlines", "post_content_short": "The 20% deposit has long been treated as the price of admission to home ownership in New Zealand. On a median-priced house that's well north\n\tof $150,000 in cash.\n\n

\n\tSo, National's announcement this week on 5% deposits got attention. But low-deposit lending isn't new – and one pathway at a major bank\n\tisn't limited to first home buyers at all.\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/261\/5percent-Deposits-Are-Back.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/5-percent-deposits-are-back-in-the-headlines\/", "post_date": "2026-09-20 21:00:00" }, { "post_id": "260", "post_category_id": "5", "post_title": "Can I Afford To Buy My First Home If I’m Already Paying Rent?", "post_content_short": "If you’re paying rent while saving for a deposit, you may have wondered how those regular payments compare with owning your own home. Could\n\tthe amount you currently spend on rent, combined with what you’re saving each week, be enough to cover mortgage repayments?\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/260\/Afford-To-Buy-My-First-Home-If-Im-Already-Paying-Rent.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/can-i-afford-to-buy-my-first-home-if-im-already-paying-rent\/", "post_date": "2026-09-16 21:29:01" }, { "post_id": "259", "post_category_id": "5", "post_title": "Is a Quieter Property Market a Good Time to Buy?", "post_content_short": "When the property market goes quiet, it’s easy to assume buyers should sit tight too. Fewer people at open homes and less urgency around\n\tbuying can make waiting feel like the sensible option.\n\n

\n\tBut a quieter market doesn’t automatically mean there’s less opportunity. For buyers who are financially ready, it may offer something\n\tthat’s harder to find when competition is strong: more breathing room.\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/259\/Quieter-Property-Market-KPMimage-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/is-a-quieter-property-market-a-good-time-to-buy\/", "post_date": "2026-09-10 22:42:21" }, { "post_id": "258", "post_category_id": "5", "post_title": "Does Mortgage Pre-Approval Mean You’re Ready to Make an Offer?", "post_content_short": "Getting pre-approved for a mortgage can feel like a major milestone. You have supplied your information, the lender has reviewed your\n\tposition, and you now have an indication of how much you may be able to borrow.\n\n

\n\tIt is certainly a valuable step. However, pre-approval does not always mean you can confidently make an unconditional offer on any property\n\twithin that price range.\n\n

There are still a few important pieces that need to fall into place\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/258\/preapproval1.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/does-mortgage-pre-approval-mean-youre-ready-to-make-an-offer\/", "post_date": "2026-09-03 00:34:13" }, { "post_id": "257", "post_category_id": "5", "post_title": "OCR Rises to 2.75% – But Will 3% Be Enough?", "post_content_short": "As widely expected, the Reserve Bank has increased the Official Cash Rate by another 0.25%, taking it from\n\t2.50% to 2.75%.<\/span>\n\n

\n\tThis is the second consecutive increase following July’s move, with the Reserve Bank continuing to remove\n\tmonetary stimulus as it works to bring inflation back towards its 2% target.<\/span>
\n
\nImportantly, today’s announcement suggests the job may not be finished yet.<\/span>..........", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/257\/kpm-ocr-shift-oncord-edm.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/ocr-update\/", "post_date": "2026-09-02 03:45:00" }, { "post_id": "256", "post_category_id": "5", "post_title": "Refixing Your Mortgage? The Mistakes I Often See Homeowners Make.", "post_content_short": "For many Kiwi homeowners, refixing a mortgage can feel like a routine task. You choose a new interest rate, select a fixed term and move on.\n\n

\n\tHowever, your refix is also an opportunity to take a broader look at your mortgage and make sure it still suits your circumstances, cash\n\tflow and future plans.\n\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/256\/refix-app.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/refixing-your-mortgage-the-mistakes-i-often-see-homeowners-make\/", "post_date": "2026-08-26 21:05:43" }, { "post_id": "255", "post_category_id": "5", "post_title": "Topping Up Your Home Loan: What Options Are Available?", "post_content_short": "As you pay down your mortgage and the value of your property changes, you may build up equity in your home. That equity can sometimes be\n\tused to help fund renovations, consolidate debt, invest or cover another significant expense.\n\n
\n

\n\tOne way to access it is through a home loan top-up<\/strong>. While this can be a cost-effective way to borrow, having equity\n\tavailable does not automatically mean using it is the right move.\n\n
\n

Here is what homeowners should consider before adding more to their mortgage.\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/255\/top-up-home-loan2.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/topping-up-your-home-loan-what-options-are-available\/", "post_date": "2026-08-19 21:38:01" }, { "post_id": "254", "post_category_id": "5", "post_title": "Does Your Home Loan Have to Be With Your Everyday Bank?", "post_content_short": "Most of us have an everyday bank.\n

\n\tIt’s where our salary or wages are paid, our bills come out, and our debit or credit cards are held. We may have been with the same\n\tbank for years, so when it comes time to apply for a mortgage, it can feel natural to start there.\n\n

But does your mortgage actually have to be with the bank you use every day?\n

The short answer is no, not necessarily.\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/254\/everyday-banking1.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/does-your-home-loan-have-to-be-with-your-everyday-bank\/", "post_date": "2026-08-12 21:42:39" }, { "post_id": "253", "post_category_id": "5", "post_title": "Refinancing Your Mortgage: Why a Property Restructure Is the Ideal Time to Switch Banks", "post_content_short": "Most homeowners and investors set their mortgage up once and leave it there. But a home loan isn't a “set and forget” arrangement — and the\n\tmoments when your circumstances change are exactly when it pays to review it. One of the biggest of those moments is when you’re\n\trestructuring how a property is owned: moving it into a company or a family trust. If that’s on your horizon, it’s also the ideal time to\n\tlook at whether your current bank is still the right fit.\n\n

The case for switching banks.....", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/253\/refinancing-mortgage-property-restructure-switch-banks_website.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/refinancing-your-mortgage-why-a-property-restructure-is-the-ideal-time-to-switch-banks\/", "post_date": "2026-08-06 09:00:00" }, { "post_id": "252", "post_category_id": "5", "post_title": "Should You Sell Your First Home... Or Keep It?", "post_content_short": "For many homeowners, upgrading follows what feels like a familiar path.\n

Sell the current home, use the equity as a deposit, then move into the next one.\n

It's the approach most people expect.\n

But it's no longer the only option.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/252\/sell-or-keep.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/should-you-sell-your-first-home-or-keep-it\/", "post_date": "2026-07-22 21:25:28" }, { "post_id": "251", "post_category_id": "5", "post_title": "Brand New or Existing Home? How First-Home Buyers Can Make the Right Choice in Today's Market.", "post_content_short": "Buying your first home is exciting, but one of the biggest decisions you'll make comes before you even start house hunting.\n

Do you buy a brand new home, or an existing one?<\/em>\n

\n\tBoth options have their advantages. The right choice depends on your budget, your lifestyle and what matters most to you over the long term.\n\n

\n\tIn this week's update, I'll walk through the pros and cons<\/strong> of each so you can make a more informed decision before taking\n\tthe next step.\n\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/251\/new-build-vs-exisiting.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/brand-new-or-existing-home-how-first-home-buyers-can-make-the-right-choice-in-todays-market\/", "post_date": "2026-07-15 21:42:52" }, { "post_id": "250", "post_category_id": "5", "post_title": "OCR Rises to 2.50%: What the RBNZ's July Decision Means for You & Your Mortgage", "post_content_short": "On the 8th of July the\nReserve Bank of New Zealand lifted the Official Cash Rate<\/a> (OCR)\nby 25 basis points to 2.50%, the first move in what looks set to be a gradual tightening cycle. The decision was reached by consensus, and\nwhile markets had largely picked a hike, a number of economists had backed a hold right up to the announcement.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/250\/july-ocr-hero-light-copy.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/ocr-rises-to-250-percent-what-the-rbnzs-july-decision-means-for-you-and-your-mortgage\/", "post_date": "2026-07-13 20:14:00" }, { "post_id": "249", "post_category_id": "5", "post_title": "Buying Your Next Home Before You've Sold? Here's What You Need to Know.", "post_content_short": "Finding your next home should be exciting. Instead, many homeowners find themselves caught between wanting to secure the perfect property\nand worrying about what happens if their current home hasn't sold yet.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/249\/bridging-finance.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/buying-your-next-home-before-youve-sold-heres-what-you-need-to-know\/", "post_date": "2026-07-08 22:38:16" }, { "post_id": "248", "post_category_id": "5", "post_title": "What Your Bank Can’t Tell You About Other Banks (But Your Adviser Can).", "post_content_short": "Most people assume their bank will tell them everything they need to know about getting a mortgage.\n

And to be fair, they'll absolutely help you apply for a loan.\n

But there's one important thing worth understanding.\n

Your bank can only advise on the products and policies available within their own organisation.\n

That means there may be options, strategies, or lender alternatives that never make it into the conversation.\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/248\/one-bank-one-door.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/what-your-bank-cant-tell-you-about-other-banks-but-your-adviser-can\/", "post_date": "2026-06-24 21:46:12" }, { "post_id": "247", "post_category_id": "5", "post_title": "Why Two People On The Same Income Can Borrow Very Different Amounts.", "post_content_short": "Most people assume borrowing power comes down to one thing: income.\n

\n\tThe common belief is simple. Earn more money and you'll be able to borrow more. While income certainly plays an important role, it's only\n\tone piece of a much larger puzzle.\n\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/247\/borrowing-power.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/why-two-people-on-the-same-income-can-borrow-very-different-amounts\/", "post_date": "2026-06-10 22:14:49" }, { "post_id": "246", "post_category_id": "5", "post_title": "How Does a Gifted Deposit Work When Buying Your First Home?", "post_content_short": "Saving a first-home deposit has become one of the biggest hurdles for buyers entering the property market.\n

\n\tWhile many people can comfortably service a mortgage, pulling together a sufficient deposit often takes years. That's why family support is\n\tplaying an increasingly important role in helping first-home buyers get across the line.\n\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/246\/gifted-deposit-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/how-does-a-gifted-deposit-work-when-buying-your-first-home\/", "post_date": "2026-06-04 01:07:18" }, { "post_id": "245", "post_category_id": "5", "post_title": "A chat with the Kiwibank economists", "post_content_short": "Live webinar. We're joined by two of Kiwibank's economists — Chief Economist Jarrod Kerr and Alexandra Turcu — for an honest hour\non where the New Zealand economy is actually heading.
\n
\nRegister now.
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/245\/KPM_blog_featured_image.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/a-chat-with-the-kiwibank-economists\/", "post_date": "2026-06-02 23:25:01" }, { "post_id": "244", "post_category_id": "5", "post_title": "Why “Deposit” Means Two Different Things When Buying a Property.", "post_content_short": "One of the biggest points of confusion for homebuyers - especially first home buyers - is the word “deposit.”\nOne thing that catches a lot of buyers out is that there are actually two different types of deposits<\/em> involved when purchasing a\nproperty.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/244\/2-types-of-deposit.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/why-deposit-means-two-different-things-when-buying-a-property\/", "post_date": "2026-05-27 23:25:08" }, { "post_id": "242", "post_category_id": "5", "post_title": "Understanding LVR Restrictions & How They Shape Your Next Property Move", "post_content_short": "If you're building a property portfolio in New Zealand, Loan-to-Value Ratio (LVR) restrictions are something you'll come up against at every\n\tstep. Set by the RBNZ, they cap how much banks can lend relative to a property's value — and they hit investors harder than owner-occupiers.\n\n

\n\tBelow, we walk through the rules, the key exemptions, and a worked example.
\n\t
\n\t1. What Is an LVR?
\n\t2. How LVR Is Calculated Across a Portfolio
\n\t3. Key Exemptions to LVR Restrictions
\n\t4. Case Study: Adding a Third Property
\n\t5. Scenario Comparison: 70% vs 80% LVR
\n\t6. Key Takeaways for Portfolio Investors", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/242\/FITs-Mortgage.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/understanding-lvr-restrictions-and-how-they-shape-your-next-property-move\/", "post_date": "2026-05-20 02:36:00" }, { "post_id": "243", "post_category_id": "5", "post_title": "What Every NZ Property Investor Needs to Know Right Now", "post_content_short": "Inflation was forecast to ease. Then came the Iran oil shock — and now rate hikes are back on the table as early as December 2026.\n

\n\tOn 12 May, Salesh Chand from GRA hosted Kris Pedersen and Than Sundar to talk through what that means for your mortgage, your\n\tportfolio, and your next move.
\n
\nHere are the key takeaways from the webinar........", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/243\/Frank_Conversation.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/what-every-nz-property-investor-needs-to-know-right-now\/", "post_date": "2026-05-19 23:06:00" }, { "post_id": "240", "post_category_id": "5", "post_title": "Upgrading Your Home Without Moving: What You Need to Know About Renovation Finance.", "post_content_short": "Love Your Location…But Outgrown Your Home?\n

Not every homeowner needs to move, to move forward.\n

I’ve been having more conversations lately with clients in this exact position: \n

\n\tThey love where they live.
\n\tThe kids are settled.
\n\tThe community feels like home.\n\n

But the house itself? It’s no longer working.\n

And that leads to the big question…\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/240\/upgrade3.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/upgrading-your-home-without-moving-what-you-need-to-know-about-renovation-finance\/", "post_date": "2026-05-06 21:23:33" }, { "post_id": "237", "post_category_id": "5", "post_title": "What the Iran Conflict Means for Your New Zealand Mortgage", "post_content_short": "You've been watching the news lately, you'll know the conflict in Iran is more than a geopolitical story - it's a financial one that's\n\tstarting to ripple all the way to  New Zealand, including into your mortgage repayments.\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/237\/KPM-EMD-Image-April-2026.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/what-the-iran-conflict-means-for-your-new-zealand-mortgage\/", "post_date": "2026-04-29 23:14:12" } ]