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.
First home buyers can withdraw KiwiSaver funds plus claim up to $10,000 First Home Grant. Learn the eligibility rules and boost your deposit in 2026.
LVR rules affect how much deposit you need in NZ. Discover which banks offer low-equity lending and how to navigate the 20% deposit requirement with expert insights.
Thinking about accessing your home's equity in retirement? Our complete guide covers how reverse mortgages work in New Zealand, eligibility, costs, and alternatives.
Considering a reverse mortgage? Learn how they work in New Zealand, eligibility requirements, costs, and whether this financial option suits your retirement plans.
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.