Mortgage Advice, Simplified
Clear, practical answers to your mortgage questions — helping you make confident decisions.
Featured Articles
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Fixed or Floating? How to Decide in 2025
Wondering whether to fix or float your mortgage in 2025? Here's how to choose the right strategy for your goals and risk tolerance.
OCR Drops to 3.25% — What It Means for You
The Reserve Bank of New Zealand has reduced the OCR to 3.25%. Learn how this affects your mortgage and financial decisions.
All Articles
Expert insights and practical advice to help you make informed mortgage decisions.
First Home Buyer Mistakes (and How to Avoid Them)
Buying your first home? Here are some common mistakes Kiwi buyers make — and how to avoid them with the right advice.
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Do I Need a Mortgage Pre-Approval Before House Hunting?
Find out why pre-approval matters in NZ — and how it gives you a serious edge when buying your first or next home.
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When Should You Refix Your Mortgage in NZ?
Wondering if it's time to refix your home loan? Learn the best time to act — and what to consider before locking in again.
How to Use Equity to Buy a Second Property in NZ
Learn how to leverage your home's equity to buy another property. Expert advice on deposits, lending structures, and what banks really look for.
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How Lenders Assess Equity (And What They Don't Tell You)
Learn how banks really look at equity, why usable equity is different from total equity, and how to prepare for an approval.
Top-Up vs Refinance – What's Best for Your Next Move?
Compare mortgage top-ups and refinancing options in NZ. Expert advice on which approach suits your goals, costs involved, and what to consider.
When Should You Refinance Your Mortgage in NZ?
Learn the key signs it might be time to refinance your mortgage. Jason Bruce breaks it down for Kiwi homeowners.
Can I Use My KiwiSaver for a First Home?
A simple guide to using your KiwiSaver to buy a home in NZ — who's eligible, how it works, and what to watch out for.
How Much Can I Borrow Using the Equity in My Home?
A simple guide to understanding usable equity in NZ — and how much you might be able to borrow against your home.
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