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Advicehq

adviceHQ simplifies finance and takes the stress out of large financial decisions.

adviceHQ is here to guide you through every step of the mortgage process, so you have more time to focus on what really matters most to you.

06/09/2026

Proposed Changes Could Open the Door for More First Home Buyers

National is proposing to lift the income cap for the First Home Loan scheme to a combined $300,000, up from $150,000, allowing more access to low-deposit lending.

Why it matters:
🔹 National median house price: $760,000
🔹 20% deposit: $152,000
🔹 5% deposit: $38,000
🔹 A $114,000 difference in the deposit required.

For many first home buyers, saving the deposit is the biggest hurdle, not servicing the mortgage.

NOTE: a 5% deposit does not guarantee an approval. Purpose, Profile, Position, Security and Servicing and lender criteria still apply.

Advicehq helps first home buyer through the whole journey, from initial conversation through to getting the keys.

04/09/2026

Old School Values Still Matter. Perhaps More Than Ever.
I had the pleasure of attending a Business North Harbour breakfast this week with Sir Graham Lowe, a candid account of teaching, education and leadership through sport.

Key takeaways:
🔹 Loyalty goes a long way - so much so he turned down the Warriors.
🔹 Old-school values matter - a firm handshake, looking someone in the eye and doing what you say you’ll do.
🔹 Take care of your health - even when life gets busy.

Thanks to Samuel Ames and Turner Hopkins Law for supporting the event.
Advicehq

02/09/2026

As expected, the RBNZ increased the OCR by another 25bps to 2.75%. The RBNZ’s latest projections point to further increases, but the OCR is expected to settle around 3–3.25% before flattening out.

For borrowers, that’s an important distinction, this doesn’t look like a return to the 5%+ OCR environment we saw previously, instead, a gradual move back towards a neutral OCR.

Mortgage rates have already moved ahead of the OCR, so the question isn't simply “Will rates rise?”, it’s how much has already been priced in?

For anyone fixing or refinancing, understanding the likely path of rates is more important than today's headline rate.

As always, the right strategy depends on your personal circumstances.

28/08/2026

Looking for something to do with the kids this Saturday?

Kids Shuttle NZ and Generation Homes are bringing families together for a free Family Fun Day at Bonair Park, Millwater, from 10.30am–1.00pm.

Come along for:
🎨 Free face painting
🎡 Spin the Wheel & prizes
🎈 Family games and activities
🍦 Ice cream, coffee and food trucks
👑 Princesses, mascots, music and more!

There’ll also be plenty of great local businesses involved, making it a great morning out for the whole family.

📍 Bonair Park, Millwater
📅 Saturday 29 August
⏰ 10.30am–1.00pm
💙 Free entry

Come along, have some fun and support the local community!

24/08/2026

No New Taxes, Just Tax Tweaks?

NZ already taxes income, consumption, investment, property transactions, businesses, savings and employment. So when political parties say “no new taxes”, the question is: how are they going to “tweak” the existing tax system? E.g.

• Index tax thresholds to inflation so people aren't pushed into higher brackets simply because their wages rise.
• Review the marginal income tax rate thresholds.
• Increase the GST registration threshold from $60,000.
• Extend the bright-line test again.
• Remove interest deductibility again.
• Remove or reduce tax on KiwiSaver contributions.
• Allow a tax deduction or rebate for private health insurance.
• Review the FIF regime.
• Review depreciation, R&D and other investment settings.

Every tax change creates winners and losers, and recent history is littered with unintended consequences.

What we need to know from our politicians, is what tax tweaks are they intending to make, and have they assessed the consequences, both direct and indirect?

What existing tax would you tweak?

19/08/2026

Good News for Kiwis. Provisional estimates from the Infometrics June 2026 Quarterly Economic Monitor suggest that economic activity rose 2.6%pa in the June 2026 quarter, and was up 1.7%pa over the year to June 2026.

“All 16 regional economies expanded in the June 2026 quarter,” said Infometrics Principal Economist Nick Brunsdon.

For households and businesses, a broader economic recovery is good news. Stronger economic activity can support business investment, employment, household confidence and, over time, incomes.

Of course, there are still challenges. The labour market remains soft and many households are continuing to feel the effects of the higher cost of living.

After a period of weak economic growth, seeing all 16 regions expanding is a welcome change in direction.

18/08/2026

The proposed TSB–Heartland merger and subsequent TSB–Kiwibank proposal has highlighted an important question for NZ banking: do we need more scale among our Kiwi-owned banks?

From an advice perspective, more competition is generally good for consumers, but scale matters.

Technology, compliance, funding and regulatory costs don't get cheaper simply because a bank is smaller. The real test should be whether any proposed structure delivers better competition, better products and better outcomes for Kiwi borrowers and savers.

What do you think, more Kiwi bank consolidation, or more independent competitors?

16/08/2026

Business Owners Investing in Property? Structure Comes First.

Many business owners hold significant value inside their companies. Leveraging that equity to invest in property can be a powerful wealth-building strategy.

However, poor structuring can expose both your business and personal assets to unnecessary risk.

The structure you choose today can either protect your growth or limit it.

If you are considering using business equity for property investment, let’s ensure it is structured properly from the start.

📧 [email protected]

13/08/2026

We keep things straightforward.

We start with a conversation to understand what matters to you, compare the right options, then handle everything through to getting you properly covered.

Clear advice, the right structure, and support at every step.

📧 [email protected]

Address

Level 3, 95 Hurstmere Road
Takapuna
0622

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 8pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 8pm

Telephone

+6421747644

Website

http://www.advicehq.co.nz/

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