10/08/2026
🚀 Last week saw a few different conversations float through the boost office so here’s a quick summary of what your advisers were yarning about recently. 🚀
🏠 More Houses Are Hitting the Market
There's been plenty of discussion around the growing number of properties available for sale across New Zealand. More choice can be good news for buyers, giving them a bit more breathing room and reducing some of the pressure we've seen in past years.
For homeowners, it's a reminder that the market is becoming more competitive, so presentation, pricing and timing matter more than they did when listings were scarce.
If you're keeping an eye on property values in your area, now's an interesting time to watch the numbers. 🏠
https://www.realestate.co.nz/insights
💰 Emergency Funds: Out of Sight, Out of Spend?
The team stumbled across a great reminder that keeping your emergency savings in a separate account can make it less tempting to dip into. There was a bit of debate that this methodology is “old school” and only for people “with no self-control” but that was quickly squashed by some behavioural science.
As unoriginal as it may seem, we love a good back-to-basics money habit like this one. Some oldies really can be goodies (or so Matt likes to believe).
Read more and tell us what you think!
https://sorted.org.nz/blog/where-should-you-keep-your-emergency-fund-why-a-separate-account-wins/
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☕ Debt-to-Income Ratios: What Are They Actually?
Debt-to-income ratios (often shortened to DTIs) are simply a comparison between how much you borrow and how much you earn.
While they might sound like something dreamed up in a spreadsheet factory, they can influence borrowing decisions and are becoming an important part of the lending conversation in New Zealand.
The good news? Understanding DTIs can help you plan ahead, whether you're buying your first home, investing, or thinking about your next move.
A little knowledge here can go a surprisingly long way.
https://www.rbnz.govt.nz/hub/news/2024/05/debt-to-income-ratios-explained
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