Rental Property Bylaw Changes

Jul 19, 2019 10:02:21 AM

From 01 July 2019, ceiling and underfloor insulation is compulsory in all New Zealand rental properties, where suitable. In addition to this, landlords have just over two years to ensure rental properties meet the Government's healthy homes standards, the minimum requirements for heating, insulation, ventilation, moisture and drainage, and draught stopping in rental properties. Here’s what you need to know about insulation requirements and healthy homes standards.


Read more

Topics: Kiwisaver, Rental Property, Rental Market, Home Loan, nz mortgage, NZ Mortgage Adviser, NZ Property Manager, Harcourts Property Manager

Key changes to KiwiSaver

Jul 13, 2019 8:12:00 AM

There are some changes being made to KiwiSaver in 2019 and 2020, most of which have already come into effect. The proposed changes to the structure of KiwiSaver could see a greater number of New Zealander’s saving for retirement and the risk of a retirement savings shortfall decreasing over time. These changes will allow more people to join the scheme and also allow members to better tailor their KiwiSaver account to fit their needs.


Read more

Topics: Kiwisaver, Home Loan, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, Kiwisaver withdrawal

First Home Buyer’s FAQ

Mar 20, 2019 9:15:47 AM

Buying your first home is one of the biggest investments you’ll ever make so it’s understandable you may be feeling a little overwhelmed. Before stepping onto the property ladder, it’s essential you do your homework and properly prepare for the journey ahead. To help you avoid any nasty surprises, we’re sharing the questions most first home buyers ask as well as our advice and recommendations.


Read more

Topics: Kiwisaver, First Home, first home buyer, NZ Mortgage Adviser, Home Loan Advice, HomeStart Grant, First time homeowner, Kiwisaver withdrawal

There’s never been a better time to buy

Dec 17, 2018 11:31:41 AM

If you’ve been waiting to buy your dream home or invest in a rental property, this could be the push you need. House price growth in New Zealand has largely peaked, the ban on foreign buyers is likely to dampen demand, and an interest rate hike appears unlikely, at least in the foreseeable future. Property experts agree: now’s a good time to buy.


Read more

Topics: Kiwisaver, NZ Property, nz mortgage, NZ Property Market, HomeStart Grant, Buying a home, First time homeowner

A Guide for First Home Buyers

Sep 13, 2018 8:48:37 AM

The latest figures are out and they’re daunting to say the least! According to real estate statistics website One Roof, first home buyers in Auckland need to earn at least three times the median income in order to buy property. That’s a whopping $241,200 annually per household! So, how do you get a foot on that elusive property ladder? Here are a few options.


Read more

Topics: Kiwisaver, Mortgages, NZ Property, first home buyer, Information on buying and selling, NZ Property Market, NZ Mortgage Adviser, Welcome Home Loan, HomeStart Grant

How is your KiwiSaver performing?

Dec 13, 2017 9:56:47 AM

Tracking your KiwiSaver’s performance is an important part of managing your investment. With a range of providers and funds to choose from, even the smallest difference in annual earnings can quickly add up to a significant amount. To get the most out of your fund, it’s important you review your KiwiSaver at least every year.


Read more

Topics: Kiwisaver, LVR, new zealand property, new zealand real estate, first home buyer, mortgage adviser

Should you use your KiwiSaver to fund your first home?

Apr 12, 2017 6:16:31 AM

If you’re like most first home buyers, you already know that saving a deposit is probably the hardest part of buying your first home. Just when you think you’ve got enough of a deposit, house prices increase and you’re back to saving again. That’s why using your KiwiSaver to buy your first home may make good financial sense. To help you consider whether it might be right for you, let’s run some numbers.


Read more

Topics: Kiwisaver, First Home, NZ Finance

Why lenders decline mortgage applications

Nov 10, 2016 7:43:47 AM


There’s nothing worse than saving your deposit, finding your dream home, and doing your due diligence, only to have your home loan application turned down. There are a number of reasons why lenders decline mortgage applications; we’ve listed some of these here and we’ve outlined some of the ways you can prepare yourself to ensure a successful home loan application.


Read more

Topics: Kiwisaver, Loans, Lenders, HomeStart

Investing in KiwiSaver when interest rates are low

Apr 8, 2016 10:41:26 AM

 With interest rates the lowest they’ve ever been in New Zealand, it’s a good time to take a closer look at how your KiwiSaver fund is performing. And to help you do just that, here’s how one savings expert is using Kiwi music to spice up his KiwiSaver seminars and make a huge difference to New Zealanders' financial wellbeing.


Read more

Topics: Finance, Kiwisaver