Mortgage News & KiwiSaver Advice
Overview
Not much happening with interest rates at present, the banks are all cutting margins to gain business and also declining marginal applications that 1-2 years ago would have been approved.
This is all part of the fallout from the Royal Commission in Australia plus the ongoing Capital Adequacy tightening here in NZ so expect more of the same in 2020.
The rise of the non-bank sector is spectacular with the newest entrant Pepper Home Loans already settling over 100 deals since their launch late last year.
Resimac has a fantastic 80% Product for Owner Occupied & Investment @ 3.89% 2 Yrs Fixed! and it will be interesting to see if others follow suit.
We are writing tons of applications in this space simply to get people in the door and on the property ladder at 4.50%-6.50%
However, providing a clear ‘exit strategy’ where we can shift the Mortgage to a main bank in 12-36 months is key!
KiwiSaver
I’m really excited to announce we are now offering KiwiSaver Advice alongside our highly reviewed Mortgage & Insurance Advisory business.
We now have our own-in house KiwiSaver specialist – Susan Miao
After Reviewing over 500 first home buyer Mortgage applications in our time we’ve seen such a large gap in Kiwisaver balances between clients by as much as $20,000 or more when applying for their first home.
We’ve seen couples on similar incomes, same contribution rates and even very similar Kiwisaver start dates have a massive difference in their Kiwisaver accounts by $20,000 or more.
One of our clients has a whopping $103,500 to use as a deposit (not counting partners KiwiSaver or their savings) after just being in KiwiSaver for a little over 6 Years (at 8% contributions, however).
The really cool thing, however, he is on a modest income of $60,320 p.a!
Nearly half of his balance is due to Investment earnings!!
What is the key difference?
Our clients that have considerably higher KiwiSaver balances like these… they were simply those that made a decision a few years back to receive professional KiwiSaver advice and opt-out of their default providers – usually the bank.
Instead, they have enjoyed the fruits of a professional, ethical KiwiSaver Provider that matched their investment strategy with their life cycle and Home buying goals
By the way, Milford is just one of the top providers we recommend! Others have outperformed them over the last 3 Years running
You see, these default providers were only ever supposed to be temporary holding pens for your Kiwisaver and that is all.
Still not convinced?
- 2 out of our top 3 providers have a snazzy Mobile app where you can check your Kiwisaver balance in real-time (not that we recommend you do so)
- Our KiwiSaver providers don’t issue mortgages Or Insurance Or Term Deposits Or Chequing Accounts and definitely no ATM’s. Nope, they just do KiwiSaver and Investments and do it bloody well.
- The providers we recommend only invest in ethically certified investments.
- The average default provider has a 5 working day turnaround time for first home buyer withdrawal requests, OUR providers offer a do it yourself service or a 1 Day average turnaround time.
- One of the conservative funds that we recommend has returned a whopping 11.75% p.a return after fees before tax for the year ending Nov 2019!! You can only imagine what their high growth category can achieve.
- Lastly approximately 1 out of 4 people are on the wrong Prescribed Investor Rate. Not sure what this is? Well, it’s kind of important if you get it wrong it could literally cost you thousands in Tax!
So our free Kiwisaver Advisory Service covers all of the above and so much more.
See what our clients have to say
Nick Turner-Wright
9/17/2025
Has been a great experience working with Matt and his team. Have managed to get us better than the desired results so far
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Matt and has team were wonderful to work with when buying our first home. Made the process a lot less daunting than it otherwise would have been. His team were very friendly and kept us up to date. And Matt has awesome knowledge to teach us which you could see his passion. Would highly recommend to anyone.
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Matt and his team are the best around ! We had a tricky deal that was hard to make happen and they went above and beyond for us ! 100 percent would recommend and will be using again!!!
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We first worked with Matt Willoughby and the team at OneStop a couple of years ago as first home buyers, and they were absolutely fantastic. They made what felt like the impossible happen and helped get my partner and me over the line.
Since then, we've continued working with them including taking the plunge into "adulting" by sorting out both life insurance and health insurance. Matt and the team made the whole process simple and easy to understand, walking us through every step.
We've now used them for all our insurance needs over the years, and they’ve always gone above and beyond. Such a great team and genuinely helpful, professional, and always with your best interest at heart. Couldn't recommend them more highly!
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Matt was absolutely fantastic to work with! He made the whole mortgage process smooth, stress-free, and easy to understand. His communication was prompt, clear, and professional every step of the way, and he truly went above and beyond to get us the best possible outcome. We felt supported and informed throughout the entire process. We can’t recommend Matt highly enough—thank you for all your help!
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Matt and the team at OneStop made purchasing our house easy and stress free for my family and I. Would definitely recommend getting in touch with Matt for your next/first house purchase.
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Lavinia Akauola
4/07/2025
Matt is super easy to talk to and really kind. He takes the time to understand where we're coming from and gives helpful feedback and advice that actually fits our situation.
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Great friendly service, highly recommend them.
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We achieved results by getting the loan amount we wanted and expert advice on interest rates and how to add value to the investments. Always be working with Matt and the team.
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Thanks team. OneStop did a great job guiding us through the process of getting our home loan sorted out. The financial advice and support through the process were spot on.
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Brilliant advice and help from Matt. Was a massive help for us in our journey to buying our first home. Will definitely recommend for anyone.
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Best service from smart people
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Matt and Rue saw our vision and heart from the start. We were never left wondering about the next step as they explained things so simply. They were professional yet personable and always available, night or day:) We could not have bought our dream home without them. I would highly recommend this incredible team.
We're so grateful for them.
Belinda and Christopher Beukes, Manawatu New Zealand
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Matt and his team were brilliant. They helped out, and answered every question I had every step of the way. And with their help and knowledge, I was ultimately able to make "what previously seemed to only be a dream" turn into a reality! And that was to purchase my first property! At the ripe age of 47 I may add 🙂. Thanks again for everything guys! Yous rock!
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Matt has stuck with me after some ups and downs,a couple of banks and we got there, I was great full for the let's try again, try another bank and I got there. Fully recommend 🙂
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Matt and his team are amazing! Would recommend them to everyone.
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Matt and his team were absolutely amazing. We highly recommend them. Communication was amazing, we couldn't have bought our house without them.
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Excellent service. I highly recommend Matt and his team A+
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