First home buyers guide

10 Smart Ways To Pay Less Interest On Your Mortgage

10 Smart Ways To Pay Less Interest On Your Mortgage

No one wants to pay more interest than they have to. However, most people think in […]

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What Should I Do When Interest Rates Decrease?

What Should I Do When Interest Rates Decrease?

It is always an exciting moment for homeowners when mortgage rates start to track downwards. Climbing […]

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What Mortgage Structure Is Best – Fixed, Floating or Splitting?

What Mortgage Structure Is Best – Fixed, Floating or Splitting?

You can take your best guess at what might happen in the coming months and years, […]

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How To Pay Off Your Mortgage Faster

How To Pay Off Your Mortgage Faster

For many Kiwis, a mortgage is going to be their biggest financial commitment ever! So, you […]

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Why Is Everyone Switching Banks Right Now?

Why Is Everyone Switching Banks Right Now?

You’ve probably seen the headlines. There are currently record numbers of borrowers switching their mortgages to […]

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Why Don’t Interest Rates Drop As Quickly As The OCR Does?

Why Don’t Interest Rates Drop As Quickly As The OCR Does?

The OCR is up for review again on 9th July 2025. While opinions are somewhat divided, […]

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What Does The Reserve Bank Look At In An OCR Review?

What Does The Reserve Bank Look At In An OCR Review?

In their most recent review, the Reserve Bank announced a reduction of the OCR to 3.25%. […]

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Is The NZ Property Market Recovering?

Is The NZ Property Market Recovering?

Bank lending is up and the OCR is coming down. What does that mean for the […]

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Is A Cash-Back Deal Worth Switching Your Mortgage To A New Lender?

Is A Cash-Back Deal Worth Switching Your Mortgage To A New Lender?

Should you switch your mortgage to another bank? Currently, many banks are offering enticing cash-back offers […]

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