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.
Rolling debt into your mortgage can slash monthly payments β but it's not always the right move. Here's what NZ borrowers need to know before deciding.
Mortgage offset accounts can slash your interest costs by using savings to reduce your loan balance. Here's how they work in NZ and whether they suit you.
Brad Olsen's candid interview reveals the personal cost of public economic commentary - and why their insights are crucial for NZ borrowers making mortgage decisions.
Over $243m was withdrawn from KiwiSaver in May 2026 alone. Here's what the surge means for your KiwiSaver house deposit plans in NZ.
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.
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.
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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