NZOne Financial Services

16/10/2026

What's happening in the New Zealand property market? 🏡

House prices are holding relatively steady, but buyers and sellers seem to be taking their time.

It's not the same story everywhere, though, with some regions performing better than others.

If you're thinking about buying, selling or making changes to your mortgage, it's worth understanding what's happening in your local market and how it could affect your plans.

August Property Report: National prices remained relatively steady, while sales activity slowed, properties took longer to sell and regional performance varied significantly.

16/10/2026

Have you adjusted to daylight saving yet? ☀️

It's been a couple of weeks since the clocks went forward, but those lighter evenings can still make it tricky to wind down, especially if you've got young kids who aren't convinced it's bedtime!

And it turns out that losing just one hour of sleep can have more of an impact than you might think, affecting everything from your mood and concentration to your energy levels.

This article looks at how daylight saving affects our body clocks and shares some practical tips for getting into a good sleep routine.

How can we take the edge off the daylight savings transition?

09/10/2026

In your 20s or 30s? Time could be your biggest advantage when it comes to KiwiSaver.

When retirement feels decades away, it's easy to leave your KiwiSaver investment running in the background without giving it much thought.

But the choices you make early on, including your investment fund type, contribution rate and provider, can make a real difference over time.

And if buying your first home is on the horizon, your goals and investment timeframe may look quite different.

Our article explores why those early years matter, how compounding returns work and why it's worth checking that your KiwiSaver investment is aligned with your plans.

When you’re just starting out in your career, retirement can feel like a lifetime away. It’s easy to set up KiwiSaver once and not give it another thought, especially when contributions are happening automatically in the background. But those early years matter more than most people realise. As ...

08/10/2026

Your mortgage, insurance, KiwiSaver and investments all form part of the same financial picture, but they’re often looked after separately.

At NZOne, we bring these areas together so we can look at the bigger picture and understand how each decision fits with your wider goals.

As life changes, having a team that already understands your financial journey can make those decisions a little easier.

Learn more about how we can help: www.nzonegroup.com

08/10/2026

Seeing lower mortgage rates advertised and wondering if it's worth breaking your current fixed term to get a better deal?

It's tempting, especially when mortgage repayments take up a big part of the household budget.

But before making a change, there are a few things worth considering.

Breaking a fixed-term mortgage early can come with fees, and the potential savings from a lower interest rate don't always outweigh those costs.

It's also worth looking at your wider financial situation, future plans and whether your current loan structure is still working for you.

In our article, we look at what happens when you break a fixed mortgage, the costs involved and why getting advice before making a move is important.

If you’re on a fixed-term mortgage, you may have noticed lower rates starting to pop up in the market, and be wondering whether it’s worth breaking your current loan to refinance. It’s a fair question, especially when mortgage repayments often make up a big chunk of the household budget. So, i...

02/10/2026

Life can change quickly, and sometimes your insurance cover needs to change with it.

A new home, growing family, changes in income, new debts, or higher living costs can all affect how much protection you may need.

A review can help make sure your cover still reflects your current situation and the people who rely on you.

Get in touch if you would like to review your insurance.

01/10/2026

Not sure what the numbers might look like?

We’ve added a new set of calculators and tools to the NZOne website to help you explore a few common financial questions.

You can estimate mortgage repayments, see how regular investing could grow over time, explore different KiwiSaver contribution settings, or complete a short investor risk quiz.

They’re designed to give you a useful starting point (not a recommendation) and can help make the numbers a little easier to understand before you speak with an adviser.

Take a look here:

Estimate your mortgage repayments, and see how regular investing or your KiwiSaver could grow over time, with NZOne's calculators.

30/09/2026

Investment advice is about more than simply choosing where to invest.

It starts with understanding what you’re working towards, how long you have, how comfortable you are with risk, and how investing fits alongside the rest of your finances.

That’s where good advice can help.

For us, Investment Advice is about helping clients make sense of the bigger picture and work out an approach that suits their goals and circumstances.

Learn more: https://nzonegroup.com/investments.html

25/09/2026

When it comes to personal insurance, the amount of cover is only part of the picture.

Another important setting is the benefit period — the maximum length of time an eligible claim payment may continue under the terms of a policy.

A shorter or longer benefit period can affect both how your cover works and what it costs, so it’s worth understanding how this setting fits with your wider financial situation.

We explain what a benefit period is, how it differs from a waiting period, and why the details matter.

When looking at personal insurance, it is easy to focus on the amount of cover. But another setting can be just as important: how long a benefit may continue to be paid. This is known as the benefit period. It can affect how long financial support may be available if you meet the policy’s claim [....

24/09/2026

Health insurance claims are rising, and so are the pressures on premiums.

Recent industry research shows the average amount paid in health insurance claims per member was 75% higher in 2025 than in 2021. At the same time, more people are choosing to end their cover.

If the cost of your health insurance is becoming harder to manage, cancelling isn’t necessarily the only option. Depending on your policy, you may be able to review things like your excess, benefits or level of cover.

Our article looks at what’s behind the rise in claims and some of the things worth considering before making changes to your cover.

Fresh industry research shows two trends occurring at the same time: health insurers are paying more in claims per member, while a larger share of insured people are ending their cover. Research by MartinJenkins, highlighted by the Financial Services Council, shows the average amount paid in health....