by Chris | Sep 18, 2026 | Buying Guides, Mini Series - Financial Services
I had a client tell me recently she’d been putting off applying for a mortgage for two years. She had a student loan and figured that alone would kill her application. It didn’t come up as an issue at all. Meanwhile, a much smaller personal loan...
by Chris | Sep 17, 2026 | Buying Guides, Mini Series - Financial Services
Before we get into it: this article is general information only and doesn’t take into account your personal financial situation, goals, or needs. It shouldn’t be treated as financial advice. For guidance specific to your circumstances, talk to a licensed...
by Chris | Sep 9, 2026 | Buying Guides
I talk to buyers about credit scores every week. Most know it matters. Very few understand how to read it. In some countries, you build credit by taking on debt. Apply for a credit card or a car loan, and your score climbs from there. New Zealand works differently....
by Chris | Aug 26, 2026 | Buying Guides
I speak to a lot of clients every day, and one of the biggest surprises for them is finding out that two people on the exact same salary can walk away from the same bank with very different amounts they’re able to borrow. It’s not about how much you earn....
by Chris | Aug 14, 2026 | Buying Guides, NextMove Explained
The first home buyer knowledge gap NZ advisers are increasingly talking about isn’t about affordability, it’s about confidence. Market conditions for first home buyers in 2026 are quite favourable: interest rates have eased considerably from their 2023 to...
by Chris | Aug 12, 2026 | Buying Guides
If KiwiSaver is the first piece of the deposit puzzle, the Kāinga Ora First Home Loan is usually the second. Used together, they are the most common pathway first-home buyers use to get into the market with less than a standard 20% deposit. This article builds on our...
