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One way to access it is through a home loan top-up. While this can be a cost-effective way to borrow, having equity
available does not automatically mean using it is the right move.
Here is what homeowners should consider before adding more to their mortgage.
]]>
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2026-08-19 21:38:01
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It’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
bank for years, so when it comes time to apply for a mortgage, it can feel natural to start there.
But does your mortgage actually have to be with the bank you use every day?
The short answer is no, not necessarily.
]]>
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2026-08-12 21:42:39
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The case for switching banks.....]]>
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2026-08-06 09:00:00
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Sell the current home, use the equity as a deposit, then move into the next one.
It's the approach most people expect.
But it's no longer the only option.]]>
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2026-07-22 21:25:28
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Do you buy a brand new home, or an existing one?
Both options have their advantages. The right choice depends on your budget, your lifestyle and what matters most to you over the long term.
In this week's update, I'll walk through the pros and cons of each so you can make a more informed decision before taking
the next step.
]]>
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2026-07-15 21:42:52
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the
Reserve Bank of New Zealand lifted the Official Cash Rate (OCR)
by 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
while markets had largely picked a hike, a number of economists had backed a hold right up to the announcement.]]>
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2026-07-13 20:14:00
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2026-07-08 22:38:16
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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
225
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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