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Knowledge Hub


Self-Employed and Wanting to Buy a Home? Here’s What You Need to Know.

Being self-employed often comes with the freedom to build your business on your terms - but when it comes to getting a mortgage, it can sometimes feel like you’re speaking a different language to lenders.

The good news? More and more banks and lenders are starting to understand how self-employed income works. And with the right advice and preparation, you can absolutely make your homeownership goals a reality.


The Big Advantage of Falling Bank Test Rates for Homebuyers.

Mortgage test rates are experiencing their most significant drop in recent years, unlocking additional borrowing power specifically benefiting first home buyers and existing homeowners alike.

In this week’s update we’ll take a look at how the increased borrowing capacity significantly impacts potential homebuyers, creating new opportunities in a previously challenging market.


Make Your Money Work Harder with a Revolving Credit

Many New Zealand homeowners are looking for better ways to manage their mortgages. A revolving credit facility can be a powerful tool to help you pay off your home loan faster while giving you access to your home’s equity when you need it. So in this week’s update, we’ll help you understand how a revolving credit works and whether it might be the right strategy for your financial situation.


Why Your Holiday Spending Won’t Hurt Your Home Loan Application

Planning to buy a home this year? You might be wondering if your recent holiday spending could hurt your home loan application. The good news: it probably won’t. In this week’s update, we’ll explain why you don’t need to cancel the fun to stay on track for your 2025 property goals.


Beyond the Banks: Non-Bank Lending Explained.

Non-bank lenders are financial institutions that provide loans without holding a banking licence from the Reserve Bank of New Zealand. While they’re sometimes referred to as “second-tier” lenders, this terminology actually undervalues the significant role they play in the lending space.


How to Decide Between Refixing or Refinancing Your Mortgage.

Deciding whether to refix or refinance your mortgage can seem like a daunting task, especially when your fixed interest rate is about to expire.

The decision will largely depend on your current financial circumstances, the prevailing market conditions, and the potential advantages of switching lenders.


NOT ALL BANKS ARE CREATED EQUAL: Here’s Why It Pays To Have A Mortgage Adviser In Your Corner.

When it comes to home loans, not all banks view and assess an application in the same way. They all have varying policies and criteria.  Things like self-employed income, overseas income, variable (bonus, commission etc.) income, or rental income and multi ownership structures may be treated differently, directly affecting the amount you can borrow.


How to Master The Auction Process When Buying a Property

Attending an auction can be an overwhelming experience.

With so much pressure to make the right decisions, it's easy to get caught up in the excitement and lose sight of your goals.