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Debt to Income Ratio NZ: What the DTI Rules Mean for Home Buyers
If you’re looking to buy a home in New Zealand, you’ve probably heard about debt to income ratios. Since 1 July 2024, the Reserve Bank of New Zealand (RBNZ) has enforced DTI restrictions that limit how much banks can lend
What is a Non-Bank Lender
What is a Non-Bank Lender? Your Complete Guide to Alternative Lending in New Zealand When seeking finance in NZ, whether for property, business working capital, or addressing unexpected cash flow challenges, most people immediately think of traditional banks. However, there’s
Benefits of Income Protection Insurance in New Zealand
As a Kiwi, your ability to earn an income is one of your most valuable assets. It pays the mortgage or the rent, keeps the fridge stocked with food, covers school fees for your kids, and gives you the freedom
What is Shareholder Protection Insurance?
If you’re a business owner in New Zealand, chances are you’ve thought about growing revenue, managing costs, or hiring staff. But here’s a tougher question: what would happen to your business if one of the shareholders became permanently disabled or
What is Life Insurance? Types, Costs & Benefits Explained
Life insurance is one of those financial products many people know they should think about, but often push aside until later in life. At its core, life insurance is a contract between you and an insurer. You agree to pay
Are Non-Bank Lenders Safe
Kiwis are resourceful, but when a traditional bank turns down a loan or imposes rigid criteria, even the most diligent borrower can feel stuck. Non-bank lenders promise faster approvals, flexible credit assessment requirements, and loan options that suit first-home buyers,
Top Up Loan vs Home Improvement Loan: What’s Right for Your Renovation?
Thinking about giving your kitchen a makeover, adding a new deck, or installing a pool for Summer? Renovating your home is an exciting way to improve both your lifestyle and the value of your property. But before you break out
Using Equity to Buy a Second Property in New Zealand: A Complete Guide
When building wealth through real estate investing, one of the most powerful tools is the equity in your current home. Leveraging home equity may allow you to invest in another property and effectively grow your investment portfolio. This guide will
Minimum Deposit on an Investment Property NZ – How Much Do I Need?
As a property investor looking to purchase an investment property in New Zealand, one of biggest questions you’ll face is: “How much deposit do I need?” The amount of deposit required can significantly impact your property investment journey, affecting everything
Proposed Changes to Granny Flat Regulations NZ in 2026
In a bold move to tackle housing issues, New Zealand’s government is paving the way for easier granny flat construction. These compact, self-contained homes, nestled on existing properties alongside the main house, are emerging as a key solution to the
Minimum Deposit on a House in NZ – Everything You Need to Know
Picture this: you’re standing at the front door of your dream home, heart racing with excitement as you slide the key into the lock for the first time. Feels amazing, right? But before you can turn that key, there’s one