Advice Knight

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Advice Knight

Family owned business dedicated to helping you make smart financial decisions. And the best part? Our service is free of charge.

Advice Knight Ltd is small family owned financial advice company specialising in lending with decades of combined experience among the team having both worked at major banks and other brokerages. Understanding the banks’ thinking and regulatory requirements is incredibly valuable as is having access to a range of lenders that can facilitate many different scenarios. Being well versed in credit cri

teria and accross the recent CCCFA changes has increasingly strong merit in the current lending enviorment. Our broad experience in mortgage broking, personal financial planning, investment and insurance protection has helped hundreds of clients make smart financial decisions based on life stage, future goals, and budget. We pride ourselves to do everything we can to understand our client’s needs and to ensure great end results. With strong technical and negotiation skills, our team is able to confidently source great client outcomes. Whether it be your first home, an additional rental property or a review of your personal situation and possibilities, let our dedicated approach to financial advice exceed your expectations. Expect excellence through tailored and smarter solutions, better structures, and more informed advice. We look forward to hearing from you soon.

13/05/2026

SHOULD YOU GO DIRECT TO THE BANK OR WORK WITH AN ADVISER?

Here’s the truth 👇

Going directly to your bank might feel easy in terms of a quick starting point but here’s the catch — they can only offer their products, you do all the admin, and you deal with a new person every time.

As advisers, we work for you, not the bank.

That means:
• Access to multiple lenders, not just one
• Advice tailored to your situation and goals
• Help structuring your loan the right way (this can save you thousands over time)
• Someone to negotiate on your behalf

Think of it like this:
Going direct is like shopping at one store.
Working with an adviser is like having someone compare the whole market for you.
And the best part? In on our case, there’s no cost to you.

If you want clarity, options, and a strategy — having the right guide makes all the difference.

📩 DM us or get in touch to chat – we look forward to discussing your options.
FinancialAdvice NZProperty FinancialAdviserNZ

12/05/2026

Ever thought about giving your kids a financial head start before they even earn their first dollar?

KiwiSaver isn’t just for adults. Starting early means time does the heavy lifting, thanks to compound growth. Even small contributions today can turn into something meaningful by the time they’re ready for their first home.

No minimum age. No pressure to contribute regularly. Just a simple way to set them up for the future.

We help parents make smart, practical money decisions for their families—without the jargon. Message us to find out how to get your child started with KiwiSaver and we’ll help you select the best provider and fund.

05/05/2026

🛠️ Ready to fall in love with your home again?

If you’ve been dreaming of a new kitchen, a bathroom refresh, or finally tackling that landscaping, then get in touch to learn more about the 2.5%* renovation loan available at one of NZ’s main lenders. 🏡✨

DM us "RENO" or click the link in our bio to book a free chat with our team. Let’s make that renovation reality!

*Fixed for 3 years. Terms and conditions apply.

Ready to start? Get in touch to organise a free chat with our team. Let’s make that renovation reality!

12/03/2026

Through every headline and crisis—from wars and recessions to pandemics and political unrest—markets have powered through, just like this S&P 500 chart shows over decades. The long-term trend? Always upward.

For KiwiSaver investors: periods of unrest are normal, but recovery prevails. Stay diversified, disciplined, and focused on your retirement horizon—timing the market rarely beats time in the market.

Unsure about your KiwiSaver’s positioning amid current news? Let’s review your fund, risk level, and goals to ensure you’re set for the long haul. Get in touch today.

24/02/2026

2026 Housing Forecast: Boom, Bust, or Bounce Back?

2026 is shaping up as a steady year for New Zealand housing rather than a runaway boom or a painful new downturn.

Most forecasters are pointing to modest national house price growth in 2026, generally in the 2–5% range, with many clustering around 4–5%. Recent commentary from major banks suggests low‑single‑digit growth as the most likely outcome, with BNZ now projecting around 2.1% for 2026 after revising down an earlier 4.4% forecast. The Reserve Bank’s recent updates also point to a peak in annualised house price growth around the mid‑single digits by mid‑2026, consistent with a “slow and steady” recovery rather than a sharp upswing.

Click the latest news link in our bio to read the full article. 🏡

19/02/2026

OCR Decision Analysis

On Wednesday, we had the first OCR decision under the leadership of Governor Breman, and as expected, the Reserve Bank left the OCR unchanged. But for markets and ourselves, the decision itself mattered less than the forecasts and the tone of the statement, because this was our first real chance to get some insight into how Governor Breman’s “laser focus” on inflation would actually work in practice.

To read more, click the ‘News Updates’ link in our bio.

18/02/2026

📣 OCR UPDATE: HOLDING STEADY – What it means for you…

The Official Cash Rate (OCR) has been held at 2.25% in today’s announcement. After a series of cuts throughout 2025, the RBNZ is hitting the “pause” button to see how the economy responds as we move into 2026.

What does this mean for your back pocket?
🏠 Mortgage Holders: If you’re coming off a higher fixed rate soon, there is light at the end of the tunnel. While the “big drops” might be slowing down, we are in a much more stimulatory environment than this time last year.

🏡 First Home Buyers: Serviceability test rates have eased, meaning your borrowing power might be higher than you think.

Whether you should fix short, go long, or wait it out depends entirely on your unique situation. Don’t leave your strategy to guesswork; our team of expert financial advisers would love to assist. Get in touch for your free home loan review today.

FinancialFreedom NZRealEstate InterestRates

15/01/2026

Signs of rising confidence and a possible peak in unemployment may influence the Reserve Bank’s February decision, with potential implications for mortgage rates and borrowers. Adviser, Nick Niblett, spoke to Melissa Chan-Greenfrom Radio New Zealand yesterday to explain.
Click the Media Interviews link in our bio to tune in.

24/12/2025

Happy Holidays! 🎄 🥂 💫

As we celebrate the close of another year, we want to extend our heartfelt thanks for trusting us to support you on your financial journey. Whether it’s helping you purchase your new home, grow your investments, refinance for a better structure, or make the most of your KiwiSaver, we appreciate and value the confidence you place in us.

We are incredibly proud to share that, with your support, our Trees that Count initiative has reached a significant milestone. Since we launched the program in 2023, we have planted over 1,500 native trees across New Zealand and we’re just getting started!

Thank you for your continued trust, your loyalty, and for allowing us to be a part of your journey. We wish you and your loved ones a safe, relaxing, and very Merry Christmas and forward to catching up with you in 2026!

Malcolm, Lisette, Anthony, Lauren, Nick, Andrew, Corina, Rebecca and Rosie.

08/10/2025

The Reserve Bank of New Zealand (RBNZ) has just announced a massive 50 basis point reduction in the Official Cash Rate (OCR).

The new OCR is now 2.5%.

What does this mean for you?

Mortgage Holders: Prepare for your debt armour to feel lighter! This cut is aimed at reducing your debt-servicing costs. If your fixed term is ending, or you’re on a floating rate, prepare to negotiate for some glorious new rates!

Investors & Businesses: The RBNZ is actively trying to boost consumption and investment by signalling lower rates for longer. It’s time to review those growth strategies and potential acquisitions!

The Outlook: The Committee remains “open to further reductions,” meaning the journey to lower rates may not be over.

Advice Knight’s Mandate: Don’t just enjoy the lower repayments—deploy your freed-up funds strategically. Increase your principal payment or fortify your emergency savings chest. Every basis point saved is a step toward financial freedom.

06/09/2025

Happy Father’s Day to all the dads, grandads, and father figures out there.

Thank you for your guidance, support, and wisdom. Wishing you all a day of relaxation and love ✨

Address

Auckland
0624

Telephone

+642102428000

Website

http://www.adviceknight.co.nz/

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