[ { "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" }, { "post_id": "235", "post_category_id": "5", "post_title": "Fixed Rates in 2026: Go Short or Lock In? Here’s How to Think About It.", "post_content_short": "Most mortgages aren’t set up based on strategy.
\n\tThey’re set up based on what feels right at the time.\n\n

Right now, I’m seeing a lot of homeowners leaning toward short-term rates again.\n

\n\tNot because it’s always the best option -
\n\tbut because they don’t want to “miss out” if rates drop further.\n\n

The reality?\nThis decision isn’t just about where rates are going.
\nIt’s about how your mortgage is structured around your life.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/235\/short-term-vs-long-term-fixed-rates-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/fixed-rates-in-2026-go-short-or-lock-in-heres-how-to-think-about-it\/", "post_date": "2026-04-15 22:43:53" }, { "post_id": "234", "post_category_id": "5", "post_title": "EV Loans at 1%!", "post_content_short": "Did you know you could buy an Electric Vehicle (EV) with a bank loan at 1% interest...?", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/234\/ev-2-edit.min_.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/ev-loans-at-1-percent\/", "post_date": "2026-04-09 23:31:38" }, { "post_id": "233", "post_category_id": "5", "post_title": "OCR Held Again - So Should You Break Your Fixed Rate Early?", "post_content_short": "The OCR (Official Cash Rate) has held again - and it’s triggered the same question I’ve been getting from clients this week:\n\n

“Should I break my fixed rate early to lock in something lower?”\n

It’s a fair question.\n

But it’s also where a lot of people get this wrong.\n

Because while a lower rate sounds like a win… it doesn’t automatically mean you’ll be better off.\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/233\/Break-Your-Fixed-Rate-Early-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/ocr-held-again-so-should-you-break-your-fixed-rate-early\/", "post_date": "2026-04-09 00:54:24" }, { "post_id": "231", "post_category_id": "5", "post_title": "Fund Smarter: How to borrow more, be tax efficient, & protect what you've built", "post_content_short": "Check Fund Smarter: How to borrow more, be tax efficient, & protect what you've built", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/231\/Screenshot-2026-04-08-070921.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/fund-smarter-how-to-borrow-more-be-tax-efficient-and-protect-what-youve-built\/", "post_date": "2026-04-07 19:44:57" }, { "post_id": "230", "post_category_id": "5", "post_title": "Your Home Could Fund Your Next Investment Property - Here’s How.", "post_content_short": "If you’ve owned your home for more than a few years, you might be sitting on a "hidden" deposit without even realising it.\n\nWhile 2025 was a year of stabilisation, the March\n2026 Cotality report<\/strong><\/u><\/a>\nconfirms a fundamental shift. We are seeing a unique alignment of stars for Kiwi homeowners: 100% tax deductibility<\/strong> is\nback, interest rates<\/strong> have eased, and equity<\/strong> built up over the last five years is ready to be put to work.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/230\/Investment-Property2.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/your-home-could-fund-your-next-investment-property-heres-how\/", "post_date": "2026-03-25 21:11:52" }, { "post_id": "229", "post_category_id": "5", "post_title": "Rate Rise on the back of War", "post_content_short": "Rising global tensions tied to actions by the United States—particularly the escalation of conflict involving Iran—are starting to hit\ncloser to home for New Zealanders. While the situation may seem far away...", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/229\/rising-interest-rates.jpg", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/rate-rise-on-the-back-of-war\/", "post_date": "2026-03-25 19:08:00" }, { "post_id": "228", "post_category_id": "5", "post_title": "New ANZ Reno Loan", "post_content_short": "From renovating a bathroom or kitchen, to roofing and landscaping, the ANZ Reno Loan top-up can be for loan amounts of $3,000 to $50,000...", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/228\/Whats-the-difference-between-a-home-renovation-and-a-remodel.webp", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/new-anz-reno-loan\/", "post_date": "2026-03-23 16:49:00" }, { "post_id": "227", "post_category_id": "5", "post_title": "Banks Are Offering Cash to Win Your Mortgage - Here’s How to Use It Wisely.", "post_content_short": "Most homeowners assume they’re stuck with their current mortgage rate until their fixed term ends.\n

That’s not always true.\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/227\/Cash.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/banks-are-offering-cash-to-win-your-mortgage-heres-how-to-use-it-wisely\/", "post_date": "2026-03-11 21:18:20" }, { "post_id": "225", "post_category_id": "5", "post_title": "From \"Rough Diamond\" to First Home: How to Hack the 2026 Market with a Do-Up.", "post_content_short": "If you’ve been scrolling through property listings lately, you know the "perfect" homes come with a massive\n\t"perfect" price tag.\n\nAs a Mortgage Adviser, I’m seeing more and more Kiwis win by taking a different path: Buying the house that needs a bit of\nlove.<\/strong>\nIn 2026, "Sweat Equity" - trading your weekend DIY hours for actual bank balance growth - is the smartest way to get your foot in\nthe door. Here is how the strategy works in plain English.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/225\/From-Rough-Diamond-to-First-Home-How-to-Hack-the-2026-Market-with-a-Do-Up.-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/from-rough-diamond-to-first-home-how-to-hack-the-2026-market-with-a-do-up\/", "post_date": "2026-02-25 01:09:12" }, { "post_id": "223", "post_category_id": "5", "post_title": "The Great Home Loan Reset of 2026: What Most Homeowners Need to Review Now.", "post_content_short": "Most homeowners haven’t reviewed their mortgage since the day they signed it - and that could be quietly costing them thousands.\n\n

\n\tWe’re a few weeks into the new year and while many of us have set goals around health, career, or lifestyle, there’s one area\n\tthat often gets overlooked:\n\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/223\/The-Great-Home-Loan-Reset-(1).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/the-great-home-loan-reset-of-2026-what-most-homeowners-need-to-review-now\/", "post_date": "2026-02-11 20:06:47" }, { "post_id": "222", "post_category_id": "5", "post_title": "The 2026 First-Home Playbook: Why “Readiness” is Your Greatest Asset.", "post_content_short": "We’ve officially kicked off 2026, and for many first-home buyers, the conversation has shifted. It’s no longer about "one\nday" or "eventually", it’s about being in the best possible position to move when the right house hits the market.", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/222\/The-2026-First-Home-Playbook-(2).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/the-2026-first-home-playbook-why-readiness-is-your-greatest-asset\/", "post_date": "2026-02-04 19:58:28" }, { "post_id": "221", "post_category_id": "5", "post_title": "Before You Go Straight to Your Bank for a Mortgage - Here’s What You Might Be Missing.", "post_content_short": "When it comes to money, sticking with what you know feels good. Many of us have banked with the same institution since we were teenagers.\n\tIt’s familiar, convenient, and feels like the simplest path forward.\n\n

\n\tSo when it’s time to get a mortgage - often the biggest financial commitment you’ll make - heading straight to your bank can\n\tfeel like the natural next step.\n\n
", "post_icon": "", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/before-you-go-straight-to-your-bank-for-a-mortgage-heres-what-you-might-be-missing\/", "post_date": "2025-11-26 20:18:12" }, { "post_id": "220", "post_category_id": "5", "post_title": "Home Loan Debt Consolidation: Avoid This Costly 30-Year Trap.", "post_content_short": "A mortgage. A car loan. A credit card balance. Juggling multiple high-interest debts alongside your home loan is stressful and expensive.\n\n

Many homeowners don't realise they are sitting on the most powerful tool to fix this: their mortgage.\n

\n\tConsolidating your debt into your home loan isn't just a \"life hack\" for those in trouble; it's a smart, proactive financial strategy. It’s\n\tabout taking a messy pile of bills and reshaping it into one simple, manageable payment at a much lower interest rate.\n", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/220\/debt-consolidation-(1920-x-1080-px).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/home-loan-debt-consolidation-avoid-this-costly-30-year-trap\/", "post_date": "2025-11-19 20:54:26" }, { "post_id": "219", "post_category_id": "5", "post_title": "Green Home Loans: How to Get 0% or 1% Finance for Home Upgrades & EVs 🌿", "post_content_short": "With energy bills and transport costs remaining a top concern, many homeowners are looking for ways to make their homes warmer and cheaper\n\tto run.\n\n

The good news is that banks are making this easier and more affordable than ever.\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/219\/green-home-loan-(3).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/green-home-loans-how-to-get-0-percent-or-1-percent-finance-for-home-upgrades-and-evs\/", "post_date": "2025-11-13 21:11:26" }, { "post_id": "218", "post_category_id": "5", "post_title": "Deposit Differences: Why a Land Loan Isn't the Same as a Construction Loan.", "post_content_short": "Buying bare land to build on is a fantastic goal, but it's a very different financial journey than buying an existing house.\n

\n\tThe deposit rules are stricter, the loan types are different, and the process is far more complex. In this article, I'll walk you through\n\tthe essentials so you can start your building journey with confidence.\n\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/218\/bare-land.png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/deposit-differences-why-a-land-loan-isnt-the-same-as-a-construction-loan\/", "post_date": "2025-11-05 19:48:33" }, { "post_id": "217", "post_category_id": "5", "post_title": "Banks Sell Products - Mortgage Advisers Give Advice. Here’s Why That Matters for Your Wallet.", "post_content_short": "When it comes to getting a mortgage - the default option is to walk straight into your main bank. It feels safe, familiar, and easy.\n

But the most important question is: are you actually getting the best deal, or just the most convenient one?\n
", "post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/217\/Mortgage-adviser-(2).png", "post_content_type": "page", "post_content_url": "https:\/\/www.krispedersen.co.nz\/knowledge-hub\/banks-sell-products-mortgage-advisers-give-advice-heres-why-that-matters-for-your-wallet\/", "post_date": "2025-10-29 20:56:25" } ]