New Zealand’s mortgage market is changing. Tighter bank criteria, CCCFA obligations, and Reserve Bank DTI rules mean...
Latest Financial Insights
When exploring real estate investment opportunities in New Zealand, many investors encounter the terms "property...
Successfully completing your dream home build doesn't end when construction finishes – it culminates with obtaining...
Successful property development requires careful progression through distinct stages, each with specific objectives,...
Building your dream home in New Zealand doesn't have to drain your life savings or force you into financial stress....
Property development in New Zealand can seem complex, but understanding the process helps developers navigate...
Building a home is one of the most significant financial decisions you'll ever make, yet many New Zealand families...
Property development is one of the most dynamic and potentially rewarding sectors of the New Zealand real estate...
Finding and securing the perfect piece of land for your new home is often the most critical step in your building...
Planning to build your dream home in New Zealand? With so many different types of home builds available, choosing the...
Making the decision between building a new home or purchasing an existing property is one of the biggest choices you'll...
For many borrowers, the assumption is that banks are the only path to finance. But traditional banks operate with...
For many New Zealanders, getting onto the property ladder or refinancing a home loan can feel out of reach when banks...
Over the past 18–24 months a noticeable shift has emerged in New Zealand’s lending landscape: an expanding role for...
Interest rates matter—but they aren’t the only factor that determines whether a loan is right for you. Approval...
As Director of Luminate Financial Group, he’s helped clients secure 1.5 billion in lending by doing what others won’t:...
If you are looking to boost your property’s value before selling, or simply want to make smarter upgrades that build...
Whether you are a first-home buyer or a property investor, navigating the lending market can be overwhelming. With...
You have probably heard the message before: Mortgage rates are low. You might be paying too much. Refinance now and...
The new year is more than just a change in the calendar. It is an opportunity to take stock, reset your priorities, and...
When you imagine buying your first home, it can feel like a simple equation. There is you, possibly your partner, the...
Buying your first home is exciting, but are you ready? Here are the key financial, emotional, and practical questions...
Buying your first home is a major life milestone but deciding when to make the move can feel overwhelming. With...
For many Kiwis, the dream of homeownership starts with a simple question: should I keep renting, or is it time to buy...
Buying your first home in New Zealand should be one of life’s great milestones. A moment filled with excitement, pride,...
Applying for a home loan can feel like a big task, especially if you’ve never done it before. You’ve saved your...
You’ve been thinking about buying your first home. You’ve probably browsed a few listings, checked a mortgage...
Buying your first home is exciting, but it can also feel overwhelming. There are forms, contracts, deadlines, and...
If you're buying your first home, you're going to encounter real estate agents early in the process. They’ll show you...
Walking through your first open home is an exciting step in your journey to buying a property. You’re finally off the...
For many first-home buyers in New Zealand, KiwiSaver is the key that unlocks the door to homeownership. Since the...
If you’re buying your first home, one of the earliest decisions you’ll face is who to turn to for your home loan....
Buying your first home is a big milestone, but understanding whether you qualify as a first-home buyer is an essential...
For many first-home buyers in New Zealand, saving a 20 percent deposit can feel out of reach. The Kāinga Ora First Home...
In May 2024, the New Zealand Government scrapped the First Home Grant, a decision that means many first-home buyers...
Buying your first home is a huge milestone – exciting, emotional, and just a little bit stressful. Most people spend...
Buying your first home is an exciting step, but for many New Zealanders, the biggest challenge is saving the deposit....
Getting pre-approved is one of the most important steps in buying your first home. It gives you clarity around your...
If you're thinking about buying your first home, one of the biggest questions is, "How much can I actually borrow?"
Buying your first home is a huge milestone. But before you start browsing listings or heading to open homes, the most...
Buying your first home in New Zealand can feel like a daunting financial challenge. With rising house prices and strict...
If you're buying your first home in New Zealand, you’ve probably already discovered that mortgages aren't...
