Kiwi money coach

11/05/2026

One of the most common things a licensed advisor hears from first-home buyers—Deposit. There's a second set of numbers almost no one budgets for, and they usually add up to somewhere between$8,000 and $20,000on top of the deposit.

Here are five costs that licensed advisers commonly see first-home buyers underestimate. Build these into your spreadsheet before you start house-hunting — it'll save you a very stressful conversation two weeks before settlement.

Free mortgage adviser matching for Auckland and all of New Zealand. Kiwi Money Coach connects you with licensed advisers who compare home loans from 20+ NZ lenders — first home buyers, refinancing, and investors.

11/05/2026

One of the most common things a licensed advisor hears from first-home buyers—Deposit. There's a second set of numbers almost no one budgets for, and they usually add up to somewhere between$8,000 and $20,000on top of the deposit.
Here are five costs that licensed advisers commonly see first-home buyers underestimate. Build these into your spreadsheet before you start house-hunting — it'll save you a very stressful conversation two weeks before settlement.

Free mortgage adviser matching for Auckland and all of New Zealand. Kiwi Money Coach connects you with licensed advisers who compare home loans from 20+ NZ lenders — first home buyers, refinancing, and investors.

29/04/2026

Can You Buy a House With a 5% Deposit in NZ?

The Short Answer: Yes, You Can

Buying a house with a 5% deposit in New Zealand is not just a theoretical possibility — it is a pathway that thousands of Kiwis have used to get into their first home. The mechanism that makes this possible is the Kainga Ora First Home Loan, a government-backed scheme designed specifically to help first home buyers who have a smaller deposit. Book a call with a Mortgage advisor in our network to know more about it.

Free mortgage adviser matching for Auckland and all of New Zealand. Kiwi Money Coach connects you with licensed advisers who compare home loans from 20+ NZ lenders — first home buyers, refinancing, and investors.

23/04/2026

The Deposit Question Every Kiwi Homebuyer Asks

When you start thinking about buying a home in New Zealand, the deposit is almost always the first hurdle that comes to mind. How much do you actually need? Is 20% really essential? Can you get in with less? The answers depend on your financial situation, your eligibility for government assistance, and which lending pathway you choose.

Let us break down every deposit option available to New Zealand homebuyers in 2026, with real numbers so you can plan with confidence.

Free mortgage adviser matching for Auckland and all of New Zealand. Kiwi Money Coach connects you with licensed advisers who compare home loans from 20+ NZ lenders — first home buyers, refinancing, and investors.

20/04/2026

How Much Can I Borrow for a Home Loan in NZ?

It is the first question most people ask when they start thinking about buying a home: how much will the bank lend me? The answer is not a simple formula you can run on a calculator. Banks use a multi-layered assessment process that considers your income, your expenses, your existing debts, and how your finances would hold up if interest rates rose significantly.

Understanding how this assessment works is powerful. It means you can take targeted steps to improve your borrowing capacity, avoid common mistakes that reduce it, and go into the mortgage application process with realistic expectations.

https://kiwimoneycoach.co.nz/blog/how-much-can-i-borrow