Property valuation NZ: CV, registered valuation or online estimate?
What your house is worth in NZ: CV or RV, registered valuation, agent appraisal and online estimates, and how value sets your LVR and equity.
What is a mortgage? A plain-English guide for NZ borrowers
A plain-English NZ explanation of what a mortgage is: principal, interest, term, fixed vs floating, revolving and offset, LVR, deposit and what a broker does.
Mortgage broker vs bank in NZ: which is better for you?
An honest comparison of a mortgage broker vs bank in NZ: lender choice, cost to you, how advisers are paid, what happens on a decline, and when going direct makes sense.
Offset mortgage NZ: how it works and which banks offer one
How an offset mortgage works, a worked example, which NZ banks offer one and who it suits.
Comparing home loan rates in NZ: why the lowest rate isn’t always the cheapest loan
The lowest advertised rate is a starting point, not an answer. How to compare home loan rates in NZ once equity, cash contributions, clawbacks and loan features are counted.
Revolving credit mortgage NZ: how it works, and when an offset is better
How a revolving credit mortgage works in New Zealand, how it compares with an offset home loan, and how to pick a limit that saves interest without turning into a second credit card.
Direct to the Bank or go to a Mortgage adviser?
We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser. To help answer this we decided to do a short article and to focus on just the one main reason why going directly to the […]