Guides, news and market commentary — written by Jagdip Randhawa, licensed NZ mortgage adviser. Updated regularly with what's actually happening in the NZ market right now.
Should you fix or float your mortgage in 2026? This guide breaks down the key factors to help you decide what's right for your situation and budget.
Read article →Getting a mortgage when self-employed? NZ banks typically want 2-3 years of tax returns plus financials. Here's exactly what documents you'll need to succeed.
ANZ bank predicts Middle East conflict will drive falling house prices and higher rates. What this double hit means for your mortgage and property value.
Pokeno's median house price hit $1.2M in early 2026. Here's what first home buyers and investors need to know about this booming Franklin district town.
NZ mortgage advisers access 20+ lenders vs banks offering only their products. Discover which option could save you thousands on your home loan.
ANZ warns Middle East conflict will drive NZ house prices down while pushing rates up. Here's what this mixed picture means for your mortgage plans in 2026.
Investment property deposits start at 35% in NZ, plus new tax rules affect returns. Complete guide to deposits, deductibility and lender requirements for 2026.
Stay ahead of the game with breaking news analysis and what major developments mean for your mortgage strategy in New Zealand's evolving market.
Discover when refinancing your mortgage makes financial sense, how to calculate real savings, and the best cashback deals available from NZ banks in 2026.
Everything about buying your first home — deposit options, KiwiSaver, DTI rules, Kāinga Ora First Home Loan and pre-approval. The complete 2026 guide.
With the OCR at 2.25% and 1-year fixed rates around 5.2–5.5%, the fix-or-float question is front of mind for every NZ borrower coming off a fixed term.
Since July 2024 NZ has Debt-to-Income ratio restrictions on mortgage lending. Here's exactly how it works — and how to maximise your borrowing power.
KiwiSaver is one of the most valuable tools for NZ first home buyers. Combine your withdrawal with the First Home Grant to maximise your deposit.
These guides are a starting point — every situation is different. Book a free chat and Jagdip will walk through your specific numbers.