Expert insights on New Zealand mortgages, RBNZ DTI rules, KiwiSaver, the bright-line test, and property finance. Guides for Kiwi brokers and homeowners.
New Zealand's First Home Grant closed to new applications in May 2024. What still helps first-home buyers: First Home Loan (5% deposit), KiwiSaver withdrawal, and what no longer exists.
How New Zealand fixed-rate mortgage break fees work, a simple rate-differential formula with worked examples, and a free calculator for planning estimates.
How New Zealand revolving credit home loans work, why they are not an Australian-style offset, and when salary parking actually beats a fixed table loan.
Work out exactly how much of your KiwiSaver you can use toward your first home deposit in New Zealand, including the minimum balance you must leave behind and how the First Home Grant stacks on top.
The NZ bright-line test changed in July 2024 and now sits at a 2-year period for residential property. Use our calculator to work out if your sale is taxable, plus exemptions for main home, inherited property, and rollover relief.
The RBNZ's debt-to-income restrictions took effect on 1 July 2024. Here's how the 6x owner-occupier and 7x investor caps actually work, the 20% speed limit for exceptions, and how to stress-test a client's borrowing capacity.
A shortlist of the mortgage and property calculators that move the needle on conversion for New Zealand mortgage advisers — what each one does, who it's for, and how to embed them on your site in under 5 minutes.