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    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...
    How to keep cash flowing post-COVID

    How to keep cash flowing post-COVID

    Top-up loans and other ways to survive the financial fallout The coronavirus crisis has affected every part of our lives – health, social interaction and personal freedom, travel and recreation, jobs and finances. Although New Zealand may now be on top of the health...
    Your guide to non-conforming mortgages

    Your guide to non-conforming mortgages

    There are options even if you don’t fit the bank’s criteria If you’re a borrower with a full-time job, a substantial deposit, NZ residency, and a good credit rating, finding a home loan is pretty straightforward. You might need to talk to a mortgage broker or shop...