Going through a divorce or separation is understandably unsettling, and having to divide shared assets – such as the mortgage – adds an extra layer of complexity. For those facing this situation, it’s important to understand how the mortgage may be affected, as well as the vital role mortgage advisers can play in helping clients navigate three common areas of conflict: managing mortgage repayments, buying out the other person, and agreeing when to sell.

Moving home is often considered one of life’s most stressful experiences. Packing up the home, switching utility providers, and arranging movers are just some of the things that can add to the stress of moving home. Whether you’re moving down the road or across the country, moving to a new home can be a breeze with the right approach. From creating a well-organised plan to decluttering and packing efficiently, these five practical tips will help simplify the process and make your transition smoother.

Life is full of uncertainties and whilst we can't predict the future, we can certainly take steps to prepare for it. General Insurance acts as a financial safety net, safeguarding your home, personal belongings, car and business against unexpected events. From minor inconveniences to major setbacks, General Insurance ensures peace of mind and stability in the face of life’s uncertainties. Here are five compelling reasons why working with an Astute Insurance Adviser for your General Insurance needs can make all the difference.

The start of a new year is the perfect time to assess your financial health and set realistic goals for a financially successful year ahead. Whether you’re a first home buyer, a seasoned homeowner, or just looking to make the most of your financial situation, a proactive and informed approach is the key to achieving financial success. Read on as we share three essential steps to help you reach your financial goals in 2024.

In the realm of health insurance, the adage "Not all health insurance policies are created equal" holds particular significance, especially in light of evolving, less invasive medical treatments. As innovative healthcare options become more accessible, it is crucial to comprehend the nuanced categories that health insurance providers employ, such as Diagnostic, Consultative, Surgical and Non-Surgical procedures, guaranteed wording, as well as unfunded drug cover.

With household budgets already feeling stretched by the rising cost of everyday necessities like fuel and food, splashing out on Christmas presents or a well-deserved holiday can feel overwhelming for many Kiwi families. Fortunately, there’s still time to plan how your money is spent and to manage your finances wisely. Here are 5 practical tips to help you stay on budget this Christmas, without getting wrapped up in holiday over-spending.

First home buyers navigating New Zealand’s fast-paced property market often face a myriad of questions and challenges that go along with this significant milestone. Drawing on insight and inspiration from experienced mortgage advisers can help empower first home buyers to make informed decisions about their own home ownership goals. Read on as we share essential tips and inspiring success stories from Mortgage Express branded mortgage advisers.

Since October 2013, when the Reserve Bank of New Zealand (RBNZ) first introduced loan-to-value ratio restrictions (LVR), home buyers in New Zealand have been grappling with deposit requirements. LVRs play a vital role in home loan assessment and can determine how much home buyers may be able to borrow from a lender. In this comprehensive guide, find out what LVRs are and what exemptions may apply, how LVRs impact home buyers, and how to get around LVRs.

Managing your finances is an essential part of achieving your long-term financial goals. One powerful tool that can help you keep track of your finances is an effective budget, ensuring you allocate your income to the expenses that need to be paid and that you’re not left short at the end of each month. Take control of your finances today and follow the path to financial success with these 5 steps to creating an effective budget.

The festive season is upon us and while it's undoubtedly a time of great joy and celebration, it can also bring financial stress. At this time of year, the importance of mindful spending and smart budgeting is apparent, as households struggle with a rising cost of living and the added expense of Christmas. Navigate the festive season with these budget-friendly alternatives to traditional favourites that won’t leave you feeling like you’re missing out.