Ajay Arimboor- Mortgage Advisor

01/06/2026

27/04/2026

If you already own a home, you could be sitting on one of the most powerful wealth-building tools available and not even realise it.

It’s called equity - the difference between what your home is worth and what you owe on it. And for many Kiwis, this is how property portfolios are actually built… not by saving cash, but by leveraging what they already have.

Here’s how it works: 👇

As your home grows in value (and your mortgage reduces), you build equity. Banks will typically allow you to borrow against a portion of that equity, often up to 80% of your home’s value, which can then be used as a deposit on an investment property.

That means:
- You may not need a cash deposit
- You can accelerate your investment journey
- You can turn one property into multiple over time

But equity is a tool, not a shortcut. Using equity increases your total debt, and banks will still assess whether you can service the lending (including factoring in rental income, usually at a discounted level).

There are also structuring decisions that matter:
• Top-up your existing mortgage
• Or link properties together

The best investors don’t just “use equity” but they structure it properly to protect their home, optimise cash flow, and create long-term flexibility. Because done right, equity isn’t just about buying one more property… It’s about building a portfolio, creating options, and accelerating your financial position over time. Done wrong, it can put unnecessary pressure on your lifestyle and your home.

💡 The key question isn’t “can I use my equity?”
It’s “should I and how do I structure it properly?”

If you’re sitting on equity and wondering what’s possible, now is the time to understand your position. Talk to a Vega Adviser to understand what is best for your individual financial situation.

17/04/2026

10/04/2026

The world is filled with AI and automation, which seems to be stripping away human connection. But one thing is still true: people still want advice from people.

Recent industry insights reveal that 81% of investors still prefer human financial advice over robo-advice, and 74% want to speak with a real person.

At Vega, we believe technology should empower our advisers but not replace the human connection at the heart of great advice. The best outcome for you needs judgment, empathy and trust.

Vega is a company built on community and human connection.

Source: https://premium.mpamag.com/nz-2026-businessupdate-growing-advisory-businesses-through-stronger-human-connection/p/1?utm_content=373156999&utm_medium=social&utm_source=linkedin&hss_channel=lcp-96141050

08/04/2026

Think you need a 20% deposit to buy your first home? Think again!

In NZ, you could get into the market with as little as 5–10% 💰

- 5% deposits are possible through the Kāinga Ora First Home Loan (if you’re eligible)
- 10% deposits are often accepted by banks, especially for new builds or with a low-equity premium

The key is knowing your options, and that’s where we come in.

At Vega, we help you understand exactly what you need, structure your application the right way, and get you one step closer to owning your first home 🏡

DM us and we will get you in touch with one of our Adviser's nation wide.