Purchasing a home is one of the most significant financial decisions you'll make
In New Zealand, having comprehensive house insurance isn’t just advisable — it’s essential. When arranging a mortgage, Banks typically require proof of adequate insurance coverage to protect their investment. But beyond lender requirements, house insurance safeguards your future, providing peace of mind in the face of unforeseen circumstances like natural disasters, theft, or accidental damage.
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Why Splitting Your Mortgage is a Smart Move When Interest Rates are Falling
With interest rates showing signs of potential decline in 2025, many homeowners are considering how to structure their home loans to get the best financial outcome. One effective strategy is splitting your mortgage — dividing it between fixed and floating rates. This approach can provide the stability of a fixed-rate loan while allowing flexibility to take advantage of falling rates.
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New Year, New Review: Why NOW is a great time to Check Your Personal Insurances
As we step into a new year, it’s the perfect time to take stock of your financial wellbeing — including your personal insurance cover. Life changes, financial circumstances shift, and insurance policies should evolve to keep up. Here’s why reviewing your insurance policies at the start of the year is a smart move.
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Stay Connected With Us Over the Holiday Season
The festive season is a time for family, relaxation, and celebration, but it’s also a time when you might find yourself thinking about your financial goals for the coming year. Whether you’re planning to buy your first home, refinance your mortgage, or simply need advice, we’re here to help — even during the Christmas and New Year break.
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How Do Banks React with Interest Rates After an OCR Change?
When the Reserve Bank of New Zealand (RBNZ) announces a change to the Official Cash Rate (OCR), it’s often followed by speculation about how Banks will adjust their interest rates. While the OCR is a critical factor, it’s not the sole determinant of mortgage rates. Let’s explore how Banks set their interest rates after an OCR change.
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Tips for Buying a Property Off the Plans
Market conditions have softened over the past year that leads to more opportunity to secure a property off the plans as a home or investment property, often at a lower price. However, since you’re purchasing before the property is built, there are important steps to take to ensure you’re making a sound investment. Here are some key tips for buying off the plans that can help you make the right decision.
What to Do When Your Loan Is Up for Refixing and Rates Are Falling
When your mortgage is coming up for refixing, it’s a chance to evaluate your financial situation and take advantage of what’s happening currently with rates continuing to fall. Lower rates can reduce your monthly repayments, but there are several key steps to consider to make the most of this opportunity.
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Interest Rates are Falling: What Kiwi Homeowners Need to Know About Break Fees
With the recent announcement from the Reserve Bank on easing the OCR Banks have responded by reducing interest rates they have on offer that triggers many homeowners to think about refinancing their mortgages to take advantage of the lower rates. While securing a lower interest rate and potentially reducing your monthly payments is attractive, it’s important to understand the potential costs involved, particularly the break fees associated with breaking your existing mortgage.
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The Benefits of Having Medical Insurance
Medical insurance is often seen as a luxury, but especially in Aotearoa, it offers numerous benefits that can make a significant difference in your healthcare experience. Here are some key advantages of having medical insurance that you may or may not know about.
When's the Best Time to Buy
Buying a house is one of the biggest financial decisions you’ll ever make, and timing can play a crucial role in getting the best deal. The property market has its unique cycles and trends, influenced by various factors such as interest rates, economic conditions, and government policies. So, when is the best time to buy a house?
