Interest-Only Mortgages for NZ Property Investors: Strategic Applications
Summary Interest-only mortgages can be a powerful tool for NZ property investors when used strategically. While you’ll only pay the interest component for a set period (typically up to 5 years), this approach can significantly improve cash flow, enhance borrowing capacity, and help weather financial challenges without selling assets. This […]
Banks vs Brokers: The Real Difference in Mortgage Rates for New Zealanders in 2025
Summary When seeking a mortgage in today’s fluctuating market, Kiwis face a critical choice: go directly to a bank or work with a mortgage broker. This decision could save you thousands of dollars over your loan’s lifetime. While banks can only offer their own products, mortgage brokers like Fundmaster can […]
Small Business Loan Options in NZ: Which Type Is Right for Your Business?
Summary Choosing the right financing can significantly impact your business’s growth trajectory. This guide explores the key loan options available to New Zealand businesses in 2025: Traditional Bank Loans offer competitive rates (6.5-12%) and higher amounts ($10K-$5M+) but require established business history and collateral. Ideal for major investments with 1-10 […]
How Much Deposit Do First Home Buyers Really Need in NZ in 2025?
Summary The traditional 20% deposit isn’t the only path to homeownership in New Zealand. While this benchmark remains ideal (ranging from $133,000-$210,000 depending on region), there are several viable alternatives for first home buyers in 2025. Lower deposit options have become increasingly accessible: Support programs can significantly boost your deposit: […]
OCR Drop Ahead: What This Means for NZ Mortgages in 2025
Summary The Reserve Bank is expected to reduce the Official Cash Rate (OCR) from 4.25% to 3.75% in February 2025, continuing a downward trend towards a neutral rate of 3% by mid-year. This shift is influencing bank lending rates, with some three-year mortgage rates already falling below 5%. International developments, […]
New Zealand’s Mortgage Market Outlook 2025: A Comprehensive Analysis
Summary The New Zealand housing market is projected to experience significant growth in 2025, with the Reserve Bank forecasting a median 7.06% increase in property values. Major banks offer varying predictions, from ASB’s bullish 10.90% to ANZ’s more conservative 6.00%. Despite the OCR holding at 5.5% with mortgage rates between […]
Fixed vs Floating: Making Strategic Mortgage Decisions in 2025’s Changing NZ Market
Summary New Zealand’s mortgage interest rate environment in 2025 presents both challenges and opportunities as the Reserve Bank balances inflation control with economic stability. While short-term forecasts suggest modest rate increases, long-term trends point to potential gradual declines as economic stability improves. Fixed rates (currently ranging from 6.5-7.5%) offer stability […]
Funding Your NZ Business: A Complete Guide to Loans and Financing
Starting or growing a business often requires significant financial resources, and understanding your options is key to making the right decisions. In New Zealand, entrepreneurs have access to a variety of funding options, including business grants, loans, and other innovative financing solutions. This guide will walk you through the essentials […]
Mortgage Broker Services NZ: Your Guide to Smarter Financing in 2025
Navigating New Zealand’s competitive property market can be overwhelming, especially when it comes to securing the right home loan. Mortgage brokers play a pivotal role in simplifying this process by offering expert guidance and tailored financing solutions. With the demand for smarter financing solutions on the rise, understanding the value […]
Multi-Property Refinancing in New Zealand: How to Structure Your Portfolio
Multi-property refinancing is a financial strategy that allows property owners to consolidate their existing mortgages into a single loan or to refinance multiple properties under one umbrella. This approach can be particularly beneficial for investors who own several rental properties or for homeowners with multiple residences. By refinancing, borrowers can […]