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Mortgage A to Z

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Mortgage A to Z

Helping Kiwis achieve their property goals.

04/11/2026

Planning to buy a home while one of you is on parental leave?

Being on parental leave doesn’t necessarily mean your home-buying plans have to stop.

A lender may look at your wider situation, including your expected return-to-work income when you’re actually returning, your partner’s income, and your ongoing household expenses.

If parental leave is part of your plans, talk to an adviser early so we can look at how your situation may be assessed before you start house hunting.

📞 0800 629 629
🌐 maz.co.nz

01/11/2026

29/10/2026

Planning to have a boarder or flatmate once you buy?

In some situations, a lender may be able to take some of that expected income into account when assessing your mortgage application.

How much they’ll use, and what evidence they’ll want, can vary between lenders.

If boarder income is part of how you’re planning to make home ownership work, it’s worth checking how it could be treated before you start working out your price range.

📞 0800 629 629
🌐 maz.co.nz

28/10/2026

A mortgage repayment holiday can provide some breathing room when circumstances change, but it doesn’t mean the mortgage stops costing you.

Interest will generally continue to accrue while repayments are paused or reduced, which can increase the amount you owe or extend how long it takes to repay the loan.

That doesn’t mean a repayment holiday is a bad option. It just means it’s important to understand the longer-term impact before deciding.

If your circumstances have changed and repayments are becoming difficult, talk to someone early rather than waiting until things become harder.

📞 0800 629 629
🌐 maz.co.nz

25/10/2026

Self-employed and worried your taxable income looks too low for a mortgage?

Cash flow and profit are not the same thing.

Depending on how your accounts are structured, there may be expenses such as depreciation or home office costs that can potentially be added back when a lender assesses your income.

That’s why it’s worth having someone look through your financial accounts properly before assuming your borrowing power is lower than expected.

📞 0800 629 629
🌐 maz.co.nz

22/10/2026

Earn commission, bonuses or other variable income?

That income may still be able to count when you apply for a mortgage, but the bank will usually want to see a track record rather than relying on one strong month.

If a decent portion of your income isn’t fixed salary, it’s worth checking how it may be assessed before you work out your borrowing range.

📞 0800 629 629
🌐 maz.co.nz

21/10/2026

If you’re getting ready to buy a home, you might be wondering whether it’s better to use your savings to clear debt or keep that money for a larger deposit.

There isn’t one answer that works for everyone.

Reducing debt can improve affordability, while keeping more savings may strengthen your deposit position.

What makes the biggest difference will depend on the type of debt, your income, the size of your deposit and the lender you’re applying with.

Before moving a large amount of money around, it’s worth running the numbers first with an experienced mortgage adviser.

Get in touch with Mortgage A to Z today.

📞 0800 629 629
🌐 maz.co.nz

15/10/2026

You don't necessarily have to fix your entire mortgage for the same length of time.

Splitting your home loan across different fixed terms can mean different portions come up for review at different times.

For some homeowners, that can provide more flexibility and reduce the risk of their entire mortgage moving onto a new interest rate at once.

There's no single structure that's right for everyone. The right split depends on your circumstances, plans and how much flexibility you want.

If your mortgage is coming up for refixing, it's worth looking at the structure as well as the rates. Get in touch with us today.

📞 0800 629 629
🌐 maz.co.nz

14/10/2026

Family support doesn't always have to mean handing over a large cash deposit.

Depending on your circumstances, there may be other ways family can help you get into a home, including using equity in an existing property or providing a guarantee.

Each option comes with different requirements and risks, so it's important that everyone understands exactly what they're agreeing to.

If family are willing to help but you're not sure what that could look like, we can talk you through the options.

📞 0800 629 629
🌐 maz.co.nz

14/10/2026

Can your parents use equity in their home to help you get to a 20% deposit?

Yes, this can be done.

For example, if you already had a 10% deposit, one part of the lending could cover 80% of the purchase price, while the remaining 10% could potentially be secured against your parents’ property.

Both parts are assessed separately, and your parents would also need to meet the bank’s requirements for the portion involving their property.

It can be a useful option for some buyers, but it’s important to understand exactly how the lending is structured before going ahead.

📞 0800 629 629
🌐 maz.co.nz

Address

71 Orbell Street
Sydenham
8023

Opening Hours

Monday	8:30am - 7pm
Tuesday	8:30am - 7pm
Wednesday	8:30am - 7pm
Thursday	8:30am - 7pm
Friday	8:30am - 5:30pm

Website

http://maz.co.nz/

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