mortgagesonline.co.nz

29/05/2026

Why would property investment still have legs? While rental growth is subdued, inflation actually supports property prices long-term by watering down debt. The key is a long-term perspective, focusing on cash flow and a robust setup before diving in.

22/05/2026

Beyond the mortgage, property ownership comes with ongoing expenses like maintenance, rates, and insurance. Understanding these is crucial for a true picture of your investment.

09/05/2026

The KiwiSaver contribution rate has officially increased! It went up from 3% to 3.5% starting in April. By 2028, it will reach 4%. Stay informed about these important changes.

01/05/2026

It's baffling: high inflation everywhere, yet houses aren't going up. Building costs have skyrocketed, making existing homes seem like a steal. Historically, this 'sweet spot' corrects itself. With inflation eroding debt value but also demanding high interest, property cashflow is key.

28/04/2026

Are we letting social media and hype steer our financial decisions, especially with mortgages? It's easy to get caught up in the noise, but your own circumstances and a good financial advisor are key. Don't just follow the trends; make a plan that actually fits your life.

28/04/2026

The fabric of society is more pressing than currency. If the ability to produce goods and services disappear, what's the point of faith in the value of currency? Households face the same strain from higher energy bills as mortgage payments – it's simply higher costs. Spending will adjust regardless.

26/02/2026

Buying a new build? We dive into the potential pitfalls, from unexpected defects found by inspectors to the true value of warranties. Plus, get crucial advice on finance approval and what happens if you can't settle.

26/06/2024

just saying

The value of a mortgage adviser can be more to do with a road map and navigation than the mortgage itself. Why do more and more clients gravitate toward decent advisers? The path forward Many of our clients appreciate being able to sit down and weigh up options. It can be handy to consider each […...

22/02/2024

Debt to income ratios, some extra bits