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Owner-occupied vs investment property lending

Owner-occupied vs investment property lending

What borrowers need to know You probably already know that there are different types of home loans, with varying terms, conditions and interest rates. However, the most important distinction, the one factor that will determine the affordability of your mortgage, is...
What you need to know about subdividing property

What you need to know about subdividing property

The process of subdivision explained These days, owning a large block of land in Auckland is like finding the pot of gold at the end of the rainbow. And if you’re not into farm animals and veggie gardening, then subdividing your property could be the way to go. While...
Self-employed and ready to buy your first home?

Self-employed and ready to buy your first home?

Here’s how the banks will assess your income It’s not surprising New Zealand is often referred to as a nation of small businesses. We’re an entrepreneurial bunch, with a reported 400,000+ self-employed small businesses in New Zealand. Leaping into self-employment can...
Low Deposit Loans for First Home Buyers

Low Deposit Loans for First Home Buyers

For the last decade, first-home buyers have worked under the assumption that they need a 20% deposit to get a mortgage. In a market where the average house price is over $500,000, this meant first-home buyers had to save for years to have a hope of getting into a...
How first-home buyers can maximise their borrowing

How first-home buyers can maximise their borrowing

Ways to become more financially attractive to lenders Buying your first home is meant to be an exciting process, but it can also be daunting – and sometimes downright scary. If you’re in the market to purchase property, you likely need to borrow money to buy it. A...
How tax changes will affect the self-employed

How tax changes will affect the self-employed

COVID-19 has caused disruption for almost everyone in some way – to put it mildly. For many self-employed people, that disruption will go on for a long time yet. During lockdown, income or contracts may have been lost, you may have applied for the wage subsidy or...