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

Advicehq

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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.

27/10/2026

Local roots. Connections near and far.

Proud to see Advicehq in Channel Magazine, supporting a local publication that connects North Shore people and businesses.

Our roots are in Takapuna, but our clients stretch from the North Shore to Christchurch, Sydney and London. Wherever you are based, we help Kiwis navigate their mortgage, insurance and KiwiSaver needs with independent, personal advice.

If you or someone you know could use a fresh perspective on their finances, the adviceHQ team would welcome a conversation.

22/10/2026

Does the OCR Really Need to Increase?

With rising oil prices already putting pressure on household budgets and businesses, is increasing the OCR really the right response? Will higher interest rates reduce council rates, electricity bills or fuel prices? Unlikely.

What they will do is put further financial pressure on Kiwi households and businesses, many of whom have already been doing it tough. We understand the need to control inflation, but not all inflation is driven by consumer demand. Increasing interest rates wont necessarily address the underlying causes of rising costs.

Its times like these that we need the RBNZ to draw on its expertise, challenge conventional thinking and find new solutions to new economic problems.

Is another OCR increase really the answer, or is it time for a different approach?

What do you think?

18/10/2026

Rising Bank Test Rates: What Does This Mean for Borrowers?

As wholesale interest rates rise, banks are increasing their mortgage servicing test rates, potentially reducing how much borrowers can borrow.

Banks use these higher test rates to assess whether borrowers could still afford repayments if interest rates increase.

What does this mean for you?
▪️First home buyers: Your borrowing capacity may reduce.
▪️Existing homeowners: Upsizing or refinancing could become more challenging.
▪️Property investors: Higher test rates may limit borrowing capacity for future purchases.

Advicehq works with over 30 lenders, each with different lending criteria, to help you understand your options and maximise your borrowing potential.

Thinking of buying, refinancing or investing? Talk to Advicehq before making your next move.

28/09/2026

Celebrating 8 Years of Advicehq

In 2018, Advicehq began its journey as Mortgage Pro. Eight years later, we are proud of how far we have come and the relationships we’ve built along the way.

While AdvicehqadviceHQ is still a relatively young business, we bring decades of financial services experience, with over 40 years of combined experience between Ben Presling and myself alone.

From helping first home buyers into their first home, supporting families into their next home, building investment property portfolios and restructuring investments ahead of retirement, Advicehq is proud to be part of your financial journey.

Thank you to our clients, partners and of course our team for their continued trust and support. We appreciate every introduction from those who trust us to support their family, friends, colleagues and business connections.

Advicehq

23/09/2026

Certainty for Tenants, Landlords, Property Owners, Property Buyers
Labour has confirmed it will retain interest deductibility for residential property. From an accounting perspective, this is consistent with the treatment of interest as a cost of earning income across other tax bases.
For landlords, tenants and the wider property market, stability and certainty around tax settings matter. We only need to look across the Tasman to see the uncertainty that can arise with changes to property tax settings. NZ has also seen the unintended consequences from significant changes to property taxation.
Whatever your view on the policy, consistency and certainty provide confidence to landlords, tenants, property owners and buyers.
At Advicehq, we help clients understand the bigger picture across lending, property and their wider financial position.
Advicehq

17/09/2026

Laura McGoldrick tore the house down yesterday, hosting a star-studded sports panel at the North Harbour Club charity lunch. Key takeaways:
🔹 Ultimate success comes from hard work and belief.
🔹 Being at your best when it counts is what sets champions like Tiger Woods and Michael Jordan apart.

Congratulations to John Berry on his induction into the North Harbour Club Business Hall of Fame, recognising his contribution to ethical investing and philanthropy.

14/09/2026

Increased Pressure on Mortgage Rates

The 2yrr swap rate jumped c0.3% in the past few days, moving above 4% and reaching its highest level since August 2024.

The rise reflects renewed pressure on global bond yields, higher oil prices and concerns that inflation and interest rates may remain elevated for longer.

What does this mean for mortgage holders?

Fixed mortgage rates often move before the OCR does. Advicehq monitors the market closely and helping clients make informed decisions around timing, structure and refixing.

10/09/2026

The average KiwiSaver balance has now passed $40,000.

Small differences in investment returns and fund selection can make a meaningful difference to your eventual retirement savings, and there can be significant differences between providers and funds.

adviceHQ has access to New Zealand’s leading KiwiSaver providers, allowing us to compare options and help clients find a strategy that fits their goals, timeframe and risk profile.

Your KiwiSaver is becoming an increasingly important part of your financial future. Is yours working as hard as it could be?

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.

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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