How to Split Your Mortgage (Smartly)
Our mortgage broker explains how splitting your mortgage can benefit you, what a good split looks like and why many splits are done badly…
Avoiding an Affordability Shock
Learn why banks might re-assess your mortgage affordability (sometimes significantly!) even if your situation hasn’t changed…
What Happens When Your Fixed Rate Expires
Fixed rate expiring soon? What to do, why banks act differently before and after expiry, and the hidden costs of inaction…
Master Your Investment Loan Structure
Structuring an investment property mortgage requires strategy - for sustainable cashflow, sensible leverage, tax-aware ownership, and structures that don’t trap you later…
Paying a Mortgage Off Faster (For Realists)
How to structure your mortgage to genuinely help you reduce debt over time - without gimmicks, or burning yourself out…
Fix Your Mortgage Now - or Wait?
If your mortgage is up for renewal soon, there’s a good chance you’re feeling stuck: should you fix now… or wait? Here’s what you need to know…
Interest Rates: Let’s Talk Economist Predictions…
Will rates come down more in 2026, or are they going to rise? We share the latest NZ economist predictions (and explain why forecasts change so often!)
What the Heck’s Happening with Interest Rates?
Why some mortgage rates fell, but others didn’t… and what’s driving the change behind the scenes.
What are Swap Rates?
Discover what swap rates are, how they underpin mortgage pricing and why they matter more than headlines or forecasts…
What does a Mortgage Broker Really Do?
What I wish I knew about being a mortgage broker when I left the Bank…
When the Bank Said No, We Found a Path to Yes
From bank decline to broker approval: How we got this mortgage over the line…
Good News, Landlords: 100% Interest Deductibility Returns
As of April 2025, 100% mortgage interest deductibility is back and it’s a game-changer for landlords…
Property Development: What to do if Banks Won’t Play Ball
The banks might be your first port of call, but they’re not always the best option for property development projects…
ACC Isn’t Enough - What Business Owners Need Instead
The ‘default’ ACC setup is rarely the most cost-effective or protective option, especially for business owners who can’t afford to be off work…
Budget Blow for First Home Buyers
What sounds like a minor adjustment has major consequences for low-deposit first home buyers…
Coming Off a Fixed Rate? What to Know Before you Lock in Again
Is your fixed-rate mortgage due to expire in the next few months? Here’s what to do…
Case Study: Key Person Insurance
When your business depends on one or two key people, a health crisis can turn everything upside down fast…
Is Your KiwiSaver Pulling Its Weight?
KiwiSaver isn’t set-and-forget. If you’re still in a Default fund, you’re leaving money on the table…
Teaming Up to get a Foot on the Ladder
Joining forces with friends or family to get a mortgage together can be a clever way to get your foot on the property ladder. Here’s what to consider…
“Should I Buy an Investment Property?” Is not a Yes or No Question
It’s not a simple answer — and the key is whether it fits into a broader strategy aligned to your long-term goals...