In this blog I share my opinion on the state of the market, trends and tips you can use to improve your property investing.
When most people hear the word “will,” they imagine something meant for the wealthy, the elderly, or those with complicated assets. But the truth is simple: every adult needs a will — even if you think you don’t. A will ensures that your wishes are followed, your...
When you’re taking out a mortgage, one of the biggest decisions you’ll make is whether to go for a fixed or variable interest rate. Each option has its own pros and cons, and the right choice depends on your financial goals, risk comfort, and future plans. Let’s break...
Refinancing your mortgage can be a smart financial move—especially in today’s ever-changing interest rate environment. Whether you're looking to reduce monthly payments, pay off your home loan faster, or access extra funds, refinancing could help you achieve your...
When you're preparing to buy a home, you'll often hear two important terms: mortgage pre-approval and pre-qualification. While they might sound similar, they play very different roles in your homebuying journey. Understanding the difference can give you a real...
Applying for a mortgage is a big financial step, especially in New Zealand’s competitive housing market. One of the most important things lenders consider is your credit score. Whether you're a first-home buyer or looking to upgrade, improving your credit score could...
Saving money is more than just a financial habit—it’s a way to ensure financial security, reduce stress, and build wealth for the future. Whether you're new to budgeting or looking for smarter strategies, these seven essential rules will help you take control of your...
Buying your first home is an exciting yet challenging journey. From understanding the market to securing a mortgage, the process involves various steps that require careful planning. This guide will walk you through everything you need to know as a first-time...
As it turns out most people spend more time planning vacation spots and choosing their next car purchase than they do planning for the day they leave this earth. While going on a trip and buying a new car is no doubt more exciting, without a well thought-out exit plan...
Our children depend on us to be there for them, it’s a natural instinct to love and protect them and that’s exactly what we do every day. As responsible parents, it’s important we set time aside to answer the “what if” questions. Such as “what if I’m not here to see...
When it comes to making a Will and planning for the future, we totally get it—thinking about your partner suddenly not being around anymore is not fun to consider, no matter how you slice it. For many of us, it feels easier to ignore the idea. However, the...
Writing and documenting your wishes in a Will is a major life event. But just like other important milestones, your opinions and wishes often change with time and personal growth. A Will is a legal document that outlines how your assets will be distributed upon your...
No one likes to think, let alone plan for when they will no longer be around, but it’s a reality that we all have to face. Many people only start thinking about putting a Will in place when they’re much older, however contrary to popular belief, Wills aren’t just for...
If you’re sitting at home thinking that you don’t need a Will because you don’t have enough assets to bother, it might be time to reconsider that thought. To most Kiwis’ surprise, if you have more than $15,000 in assets you’ve...
In short, pre-approvals are a good idea if you are serious about buying property. Here is why. Pre-approvals: give you confidence a lender is satisfied with your current situation to lend you the money you need. provide an understanding of how much you may be able to...
Effective budgeting is essential for individuals and businesses alike to maintain financial stability and achieve their financial goals. With the advancements in technology, several digital tools have emerged to help streamline the budgeting process. In New Zealand,...
Renovating your home can be a great way to update its style, improve its functionality, and increase its value. However, it can also be a costly endeavor. If you're on a budget, there are still plenty of ways to give your home a fresh look without breaking the bank....
If you are a homeowner, you may be familiar with the process of refinancing or refixing your mortgage. Refinancing refers to taking out a new mortgage with a different lender to pay off your existing mortgage, while refixing means renegotiating the terms of your...
Buying a home is an exciting and emotional process. However, it can also be overwhelming, especially when it comes to the mortgage process. Even small mistakes can cost you thousands of dollars over the life of your loan. In this blog post, we will discuss some common...
Budgeting is a vital aspect of managing your finances, as it helps you keep track of your income and expenses and ensures that you have enough money to cover your needs and wants. However, budgeting can be challenging, especially if you're on a tight budget. Here are...
$1,000 1/3 of working-age Kiwis have less than $1,000 saved. (Stuff + Westpac survey) 51% 51% of students report little or no financial education at school. (NZ Government school financial capability study). Budgeting Students' most requested area for more...
Lenders are in love with borrowers who show good financial habits, particularly now in a shakier-than-usual economy. Good habits are gold. And it’s never too late to start, even if business is down, your hours have been cut back, or you’re receiving government...