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.
NZ's longest property downturn in 30-40 years meets rising mortgage rates. Here's what it means for buyers, owners and investors in South Auckland.
Read article βThinking about the KΔinga Ora First Home Loan? Here's what NZ first home buyers need to know about eligibility, deposit requirements, and how to apply.
Fixed mortgage rates are likely heading higher soon as wholesale rates climb. Here's what NZ borrowers coming off fixed terms should do right now.
Wondering about the minimum deposit for first home buyers in NZ? Here's what you actually need in 2026, from KiwiSaver to low-deposit options.
Ready to buy your first home in NZ? This first home buyers checklist covers KiwiSaver, deposits, pre-approval and more. Read Jagdip's expert guide.
Some NZ homeowners are down $350,000 on their family homes while paying $950+ per week. Here's how to think through your options clearly.
Wondering how much you can borrow for a home in NZ? Learn how DTI rules, income multiples and bank servicing tests shape your borrowing power in 2026.
The Reserve Bank has hiked the OCR and two major banks have already lifted home loan rates. Here's what NZ borrowers need to know right now.
With average NZ home loans at $568,846, here are practical strategies to pay off your mortgage faster in 2026 and improve your financial position.
Everything about buying your first home: deposit options, KiwiSaver, DTI rules, KΔinga Ora First Home Loan and pre-approval. The complete 2026 guide.
With the OCR at 2.25% and 1-year fixed rates around 5.2β5.5%, 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. Use your withdrawal to boost your deposit.
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