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And to be fair, they'll absolutely help you apply for a loan.
But there's one important thing worth understanding.
Your bank can only advise on the products and policies available within their own organisation.
That means there may be options, strategies, or lender alternatives that never make it into the conversation.
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2026-06-24 21:46:12
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The 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
one piece of a much larger puzzle.
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2026-06-10 22:14:49
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While many people can comfortably service a mortgage, pulling together a sufficient deposit often takes years. That's why family support is
playing an increasingly important role in helping first-home buyers get across the line.
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2026-06-04 01:07:18
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Register now.
]]>
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2026-06-02 23:25:01
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two different types of deposits involved when purchasing a
property.]]>
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2026-05-27 23:25:08
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Below, we walk through the rules, the key exemptions, and a worked example.
1. What Is an LVR?
2. How LVR Is Calculated Across a Portfolio
3. Key Exemptions to LVR Restrictions
4. Case Study: Adding a Third Property
5. Scenario Comparison: 70% vs 80% LVR
6. Key Takeaways for Portfolio Investors]]>
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2026-05-20 02:36:00
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On 12 May, Salesh Chand from GRA hosted Kris Pedersen and Than Sundar to talk through what that means for your mortgage, your
portfolio, and your next move.
Here are the key takeaways from the webinar........]]>
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2026-05-19 23:06:00
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Not every homeowner needs to move, to move forward.
I’ve been having more conversations lately with clients in this exact position:
They love where they live.
The kids are settled.
The community feels like home.
But the house itself? It’s no longer working.
And that leads to the big question…
]]>
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2026-05-06 21:23:33
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2026-04-29 23:14:12
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They’re set up based on what feels right at the time.
Right now, I’m seeing a lot of homeowners leaning toward short-term rates again.
Not because it’s always the best option -
but because they don’t want to “miss out” if rates drop further.
The reality?
This decision isn’t just about where rates are going.
It’s about how your mortgage is structured around your life.]]>
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2026-04-15 22:43:53
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2026-04-09 23:31:38
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“Should I break my fixed rate early to lock in something lower?”
It’s a fair question.
But it’s also where a lot of people get this wrong.
Because while a lower rate sounds like a win… it doesn’t automatically mean you’ll be better off.
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2026-04-09 00:54:24
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2026-04-07 19:44:57
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March
2026 Cotality report
confirms a fundamental shift. We are seeing a unique alignment of stars for Kiwi homeowners: 100% tax deductibility is
back, interest rates have eased, and equity built up over the last five years is ready to be put to work.]]>
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2026-03-25 21:11:52
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2026-03-25 19:08:00
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2026-03-23 16:49:00
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That’s not always true.
]]>
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2026-03-11 21:18:20
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Buying the house that needs a bit of
love.
In 2026, "Sweat Equity" - trading your weekend DIY hours for actual bank balance growth - is the smartest way to get your foot in
the door. Here is how the strategy works in plain English.]]>
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2026-02-25 01:09:12
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We’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
that often gets overlooked:
]]>
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2026-02-11 20:06:47
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2026-02-04 19:58:28
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So when it’s time to get a mortgage - often the biggest financial commitment you’ll make - heading straight to your bank can
feel like the natural next step.
]]>
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2025-11-26 20:18:12
220
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Many homeowners don't realise they are sitting on the most powerful tool to fix this: their mortgage.
Consolidating 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
about taking a messy pile of bills and reshaping it into one simple, manageable payment at a much lower interest rate.
]]>
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2025-11-19 20:54:26
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The good news is that banks are making this easier and more affordable than ever.
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2025-11-13 21:11:26
218
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The deposit rules are stricter, the loan types are different, and the process is far more complex. In this article, I'll walk you through
the essentials so you can start your building journey with confidence.
]]>
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2025-11-05 19:48:33
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But the most important question is: are you actually getting the best deal, or just the most convenient one?
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2025-10-29 20:56:25