Bright line test NZ: how the 2-year rule works
How the 2-year bright line test works, the main home exclusion, rental interest deductions and what it means when you finance an investment property.
Buying an investment property in NZ: the 2026 basics
A beginner’s checklist for buying an investment property in NZ: deposit, equity, DTI, tax rules, yields and a simple cash-flow example.
Mortgagee sales in NZ: how they work and how to buy one
How a mortgagee sale works in NZ, why buyers shouldn’t count on a bargain, and the finance you need ready before bidding.
Can You Buy an Auckland Investment Property With Less Than a 20% Deposit?
Wondering if you can buy an Auckland investment property with under 20% deposit? Here’s what the LVR rules, new-build exemptions and lenders actually allow.
Building a Granny Flat in NZ (2026): A Smarter, Simpler Way to Add Income and Space
If you’ve ever thought about building a granny flat but felt overwhelmed by council consents, delays, or costs, you’re not alone. For years, the idea made sense on paper but felt hard to act on. That’s changed. With new rules now in place in 2026, many New Zealand homeowners can build a granny flat up […]
Thinking of building your own home in New Zealand?
Building lets you get exactly the home you want, and in 2026 it’s often easier to finance than buying an existing house. New builds are exempt from the Reserve Bank’s LVR and debt-to-income rules, so many lenders accept a smaller deposit. The tradeoff is more paperwork and more decisions. Here’s how it works, start to […]
Why You Should Think Twice Before Letting Banks Link Your Properties
Owning more than one property is a great way to build wealth, but it also comes with important decisions about how to structure your lending. One of the biggest risks I see as a mortgage adviser is when banks link multiple properties together under the same lending arrangement. At first glance, this may seem like […]