5 Tips to Beat the Winter Blues in New Zealand

May 23, 2024 12:00:18 PM

Winter can be tough on mental health. The lack of sunlight and warmth makes it hard to stay upbeat. Shorter days and colder temperatures can lead to a dip in mood and energy levels, leaving many people battling feelings of gloom and lethargy. If you find it difficult to maintain a positive outlook during winter, here are five effective tips to help boost your mood and support your mental well-being. 

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Topics: Financial Health, Health and Wellbeing, Healthy Lifestyle

5 Essential Tips for Locking in Your New Interest Rate in 2024

May 22, 2024 4:09:24 PM

New Zealand’s Official Cash Rate (OCR) is being held at 5.5% following the RBNZ’s May 2024 update, with the next Monetary Policy Review and OCR announcement due in July. While some finance experts believe inflation will fall back into the Reserve Bank’s target band over the coming year, many predict that significant rate cuts will not occur until next year when the central bank may begin lowering interest rates. For homeowners preparing to lock in a new interest rate, here are 5 essential things to know.

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Topics: Interest Rates, Variable Interest Rate, Fixed Interest Rate

Understanding Risk-Based Pricing and the Impact on NZ Insurance

May 22, 2024 11:47:00 AM

The insurance landscape in New Zealand is rapidly evolving. Over the past decade, insurance premiums have risen steadily in response to higher construction costs and reinsurance expenses. A higher risk of more frequent and severe weather events due to climate change has led some insurers to consider risk-based pricing. Find out what this means for NZ insurance and what proactive measures you can take to mitigate the risk of higher insurance premiums.

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Topics: Insurance Advisers, Insurance advice, Home Insurance

Property Investment: 3 Things to Know Before Getting Started

May 20, 2024 11:42:52 AM

Property is one of the most popular investment options in New Zealand, providing a solid return on investment through long-term capital growth and a consistent stream of rental income. Before diving into the property market as an investor though, it’s vital you’re prepared with the right knowledge and guidance. Find out 3 things to know before getting started, including understanding the benefits, finding the right property, and avoiding the pitfalls.

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Topics: Property Investment, Financial Advice, Investment Finance

Prioritising Insurance Cover Amidst The Rising Cost of Living

Apr 23, 2024 5:00:00 PM

Underinsurance in New Zealand is becoming a concerning trend, with more Kiwis opting out of the financial protection of insurance due to perceived high costs. As cost-of-living pressures continue to impact budgets, many households are being forced to choose between everyday expenses, like food, rent or mortgage, and insurance cover, because of affordability. Even in these challenging financial conditions however, the importance of maintaining adequate insurance cover cannot be overstated.

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Topics: Insurance Advisers, Budgeting, Insurance advice

6 Essential EOFY Tax Tips for New Zealand Property Investors

Apr 23, 2024 10:53:10 AM

End of financial year (EOFY) is an important time for all businesses, and property investors are no exception. Along with preparing financials and filing tax returns, EOFY offers property investors the opportunity to conduct a comprehensive financial review, evaluate investment performance, appraise and adjust rental rates, scrutinise essential expenses such as insurance, and set financial goals for the year ahead.

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Topics: Property Investment, Tax year, EOFY

Property Market Update: House Prices, Listings, & Policy Changes

Apr 22, 2024 6:00:00 PM

House prices are slowly rising but the national price index is still behind on the same time last year. Across all regions in New Zealand, new property listings are up to levels not seen since 2015. And Government policy changes impacting landlords, including the reinstatement of tax deductibility and changes to tenancy laws, could spur the market. As always, staying informed, adapting strategies, and getting professional mortgage advice are essential for navigating New Zealand’s dynamic property market.

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Topics: Property Investment, Property Markets, Mortgage Advice

Maximising Your Home Loan’s Potential with a Mortgage Review

Apr 22, 2024 10:43:59 AM

In the busyness of daily life, it's easy to adopt a "set and forget" mentality when it comes to finances. And that includes the mortgage, often fading into the background once it’s in place, ignored for the duration of the loan term. But did you know that regularly reviewing your home loan can unlock a wealth of benefits? From saving money to shortening your loan term to accessing your equity, a mortgage review is an essential part of home ownership.

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Topics: Home Loan, Refinancing, Mortgage Advice

Autumn Home Maintenance: Essential Tips for Preparing Your Home

Mar 22, 2024 12:15:00 PM

Maintaining your home may seem overwhelming, but it doesn't have to be. Keeping on top of the smaller tasks helps ensure your home is well-prepared to handle the changing weather and prevent expensive repairs in the future. From safeguarding against chilly drafts to preventing potential hazards, prioritising these autumn home maintenance tips will ensure your home remains safe, comfortable, and cosy throughout the cooler months.

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Topics: Home Maintenance, Refinancing, Home Renovations, Mortgage Advice

Climate Change and Your Insurance - Keeping Premiums Stable

Mar 22, 2024 11:43:47 AM

As climate change continues to alter our planet's landscape, New Zealanders are increasingly facing the physical and financial risks associated with extreme weather events. From the devastating impact on homes, cars, and personal property to the potential knock-on effect of higher insurance premiums, the repercussions of climate change are becoming more apparent than ever. As a homeowner, it’s crucial to understand how climate change can affect your insurance coverage and what proactive steps you can take to mitigate these risks.

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Topics: Insurance, Insurance advice, Climate Change