Flux Finance NZ

10/08/2026

Revolving Credit Mortgage: 5 Powerful Benefits and Risks
What if your salary could start reducing your mortgage interest from the day it arrives?

That is the idea behind a revolving credit mortgage.

Instead of keeping your everyday banking and home loan completely separate, a revolving facility combines borrowing, income and spending in one account.

Your income reduces the balance. Your expenses increase it again. Interest is generally calculated daily, so keeping the balance as low as possible may help reduce the interest you pay.

Used properly, this structure can provide flexibility and help repay a mortgage sooner. Used without a clear budget, it can make it easy to remain in debt for much longer.

Here are five important benefits and risks to understand.
What Is a Revolving Credit Mortgage?
A revolving credit mortgage works in a similar way to a large overdraft secured against your property.

Revolving Credit Mortgage: 5 Powerful Benefits and Risks What if your salary could start reducing your mortgage interest from the day it arrives? That is the idea behind a revolving credit mortgage. Instead of keeping your everyday banking and home loan completely separate, a revolving facility comb...

09/08/2026

🚆 Auckland CBD is about to get even more connected!

After years of construction, Te Waihorotiu Station is finally set to open on 13 September! 🎉

Located right in the heart of the city, the new station will make getting around Auckland CBD easier and more convenient.

And the best part for us? Flux Finance is just around the corner on Queen Street! 😁

So whether you're coming into the city for work, shopping, or want to have a chat about your home loan, getting to us is about to become much easier.

🏠 First Home Buyers
🔄 Refinance & Refix
💼 Business Finance
💬 Free initial consultation

📍 Flux Finance Limited
Level 11, Tower 2 / 205 Queen Street, Auckland CBD

See you in the city! 🚆🏙️

06/08/2026

Woke up to a white lawn this morning.

The recent Antarctic cold snap has brought some of the coldest weather New Zealand has experienced in years.

Stay warm, everyone.

Did your place get covered in frost this morning? Share your photos in the comments.

05/08/2026

House prices are different for everyone, and so is the budget.

Just curious...

If you were buying a home today, what would your budget be?

Under $700k
$700k–$900k
$900k–$1.2m
Over $1.2m

04/08/2026

Auckland rents show signs of easing

According to the latest Trade Me Rental Price Index, Auckland's median weekly rent has fallen slightly compared with the same time last year. Across New Zealand, rents have remained relatively stable after several years of steady increases.

While renting is still expensive, this could be an early sign that the rental market is beginning to cool in some areas.

I'm curious to know if that's what people are actually experiencing.

Has your rent changed recently?

Which area are you renting in?

How much do you pay per week?

04/08/2026

Is Your Mortgage Still the Best Fit?

Many homeowners simply accept their bank's new fixed rate when it's time to refix. But staying with the same bank isn't always the best option.

Refinancing isn't just about getting a lower interest rate. It can also help you:

• Reduce your monthly repayments
• Access cashback offers (where available)
• Improve your loan structure
• Use your home's equity for renovations or other goals
• Compare options from more than one lender

At Flux Finance, we compare 30+ banks and non-bank lenders to help you find a loan that suits your current financial situation—not just your previous one.

Before you refix your mortgage, it may be worth reviewing your options.

Read our guide:
https://fluxfinance.co.nz/personal-loan/mortgage-refinancing/

Mortgage Refinancing NZ: How Much Could You Save in 1 Year?   Mortgage refinancing is one of the easiest ways to review your home loan and potentially reduce your repayments when your fixed rate expires. When your fixed mortgage rate is about to expire, your current bank will usually send you a new...

02/08/2026

Bank or Mortgage Broker – Which Should You Choose?

Many people think going directly to their bank is the easiest way to get a home loan.

The difference is that a bank can only offer its own products and lending policies, while a mortgage broker can compare multiple lenders to find an option that suits your situation.

A mortgage broker can help you:

Compare different lenders
Save time by managing the application process
Receive advice based on your personal circumstances
Get support from pre-approval through to settlement

In most cases, using a mortgage broker doesn't cost you anything, as we are paid by the lender after your loan settles.

Before you choose a lender, it's worth understanding all of your options.

Read the full article here:
https://fluxfinance.co.nz/first-home-buyer/differences-between-a-bank-and-a-mortgage-broker/

When you are looking to buy your first home or refinance an existing property in Auckland, securing the right mortgage is one of the biggest financial decisions you will make. Naturally, the first question that comes to mind is: Should I go directly to my bank, or should I use a mortgage broker? Def...

30/07/2026

Have you been with your bank for over 3 years?

It might be time to review your mortgage.

Many homeowners could be paying more than they need to—or missing out on a cash contribution available when refinancing.

With our free Refinance Calculator, you can estimate:
✅ How much you could save on your repayments
✅ Whether refinancing could be worthwhile for you
✅ Your potential cash contribution (subject to lender criteria)

It's easy:

1️⃣ Contact Us
We'll review your current mortgage and discuss your options.

2️⃣ Check Out How Much You Can Save
Use our free refinance calculator to estimate your savings.

3️⃣ Enjoy Your Cash Contribution
If refinancing is the right option and you're eligible, we'll help you through the process from start to finish.

👉 Calculate your savings today:
https://fluxfinance.co.nz/mortgage-refinance-calculator/

Lending criteria, eligibility, lender terms and conditions apply.

29/07/2026

IT'S NOT ABOUT HOUSE PRICES. IT'S ABOUT YOUR NEGOTIATING POWER.

Many buyers are waiting for house prices to fall further before making a move.

But today's market offers something just as valuable — stronger negotiating power.

With more homes available and sales activity remaining subdued, buyers now have:

More properties to choose from
More time to compare options
Greater ability to negotiate on price and contract terms
Better opportunities to include conditions such as finance, building inspections, and due diligence without the intense competition seen in previous years.

Buying a home isn't only about purchasing at the lowest possible price.

It's also about purchasing the right property under the right terms.

A successful purchase can come from negotiating a better price, securing favourable conditions, or simply avoiding the pressure of a heated market.

If you've been waiting for the "perfect time," it may be worth looking at today's opportunities rather than tomorrow's predictions.

At Flux Finance, we work for you — not the banks.

Whether you're buying your first home, your next home, or an investment property, we'll help you understand your borrowing options and negotiate from a position of confidence.

🌐 www.fluxfinance.co.nz

Home Loan & Property Investment Specialists in New Zealand

28/07/2026

🏡 Thinking about buying a home but not sure how much you can borrow?

Don't guess—find out in just 1 minute!

Our FREE Mortgage Calculator gives you an instant estimate of your borrowing power with just a few simple details.

✅ Takes only 1 minute
✅ Free to use
✅ No obligation
✅ Instant estimate

Start planning your home journey today.

🔗 Try it now:
https://fluxfinance.co.nz/mortgage-calculator/

We work for you, not the banks.
IF WE CAN'T, NOBODY CAN.