by Chris | Jun 24, 2026 | Buying Guides
Spend any time browsing Trade Me or OneRoof and you will notice that not every property lists a price. Some say Deadline Sale. Others say Tender. Some say Price by Negotiation, or just POA. For a first home buyer trying to work out what they can and cannot afford, the...
by Chris | Jun 10, 2026 | Buying Guides, Mini Series - Financial Services
The number one question I am hearing from clients right now is this: should I fix my mortgage for one year or two years? It comes up constantly. People rolling off fixed rates, first home buyers about to settle, investors reviewing their structures. Everyone is asking...
by Chris | Jun 5, 2026 | Buying Guides, Mini Series - Financial Services
Loan-to-value ratio, or LVR, is one of the most commonly used terms in New Zealand mortgage lending. It’s also one of the most frequently misunderstood. Getting a clear picture of what LVR means and how it shapes your borrowing options is foundational to...
by Chris | May 27, 2026 | Buying Guides
The RBNZ has released its May 2026 Monetary Policy Statement, and the headline is a hold. The Official Cash Rate stays at 2.25 percent. But read past the top line, and the message is far less comfortable for anyone hoping rates are done moving. The Committee made...
by Chris | May 27, 2026 | Buying Guides
A property can look great at an open home and still carry problems that cost tens of thousands of dollars to fix. Paint can hide moisture issues. Landscaping can conceal foundation problems. A fresh coat of sealer on a deck tells you nothing about the framing...
by Chris | May 22, 2026 | Buying Guides, Mini Series - Financial Services
When it comes to getting a mortgage, most people default to their existing bank. It feels familiar, safer, and the assumption is that loyalty translates into a good deal. In some cases, that is true. In many, it is not. So, what is the difference? Understanding what...
