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Step-by-Step: Buying an Investment Property with Your Home Equity

Home equity represents the portion of your property that you truly own, calculated as the difference between your home’s current market value and the outstanding balance on your mortgage. This financial asset can be a powerful tool for homeowners, providing them with opportunities to leverage their investment for various purposes, […]

October 24, 20249 min read

How to Choose the Right Interest Rate for Your Mortgage

Interest rates are a fundamental aspect of the financial landscape, influencing everything from personal loans to mortgages and credit cards. At their core, interest rates can be categorised into two primary types: nominal and effective rates. The nominal interest rate is the stated rate on a loan or investment, not […]

October 24, 20249 min read

Small Business Loans NZ: Funding Options Explained

In New Zealand’s vibrant economic landscape, small businesses play a crucial role, significantly contributing to employment and innovation. The need for adequate funding is essential for these enterprises, as they often encounter unique challenges that larger corporations do not face. Small business loans NZ act as a vital lifeline, empowering […]

October 24, 20248 min read

How to Secure a Low Deposit Home Loan in Auckland: Tips and Options

Low deposit home loans have emerged as a viable option for many prospective homeowners, particularly in markets where property prices have soared beyond the reach of average earners. These loans allow individuals to purchase a home with a deposit that is significantly lower than the traditional 20% of the property’s […]

October 24, 20248 min read

The Role of Mortgage Brokers in New Zealand’s Changing Financial Landscape

The mortgage broker industry in New Zealand has evolved considerably over time. Historically, obtaining a mortgage was a complex and time-consuming process, often requiring individuals to visit multiple banks and financial institutions to compare rates and terms. However, the emergence of mortgage brokers has transformed the way people secure home […]

October 14, 20247 min read

Understanding LVR Restrictions: Impact on First-Home Buyers and Investors in 2025

LVR, or Loan-to-Value Ratio, restrictions are regulations implemented by financial institutions and governments to limit the amount of money that can be borrowed for property purchases relative to the property’s value. These measures are designed to mitigate risks associated with high levels of mortgage lending and promote financial stability in […]

October 14, 20247 min read

Understanding and Leveraging Offset Mortgages in New Zealand

An offset mortgage is a financial product that enables borrowers to link their savings and current accounts to their mortgage. The balance in these accounts is subsequently offset against the outstanding mortgage balance, thereby reducing the amount of interest the borrower pays on their mortgage. Rather than earning interest on […]

October 14, 20247 min read

Understanding the Healthy Homes Standards: A Guide for NZ Property Investors

The Healthy Homes Standards were introduced by the New Zealand government in 2019 to enhance the quality of rental properties throughout the country. These regulations were established to ensure that all rental accommodations are warm, dry, and sufficiently ventilated, whilst addressing concerns such as heating, insulation, moisture ingress, and draught […]

October 14, 20246 min read

Investment Property 101: How to Get Started in NZ Real Estate

The New Zealand property market is a dynamic and ever-changing landscape that offers a range of opportunities for investors. With a growing population and a robust economy, the demand for housing and commercial properties continues to increase. Understanding market trends, property values, and rental yields is crucial for making informed […]

October 9, 202411 min read

How to Leverage Your Home Equity for Investment or Renovation

Home equity refers to the difference between the current market value of your property and the outstanding balance on your mortgage. In essence, it represents the portion of your home that you truly own. As you make mortgage repayments, you build equity in your property. Moreover, any appreciation in the […]

October 9, 20248 min read

Understanding LVR Restrictions: What First-Home Buyers in NZ Need to Know

In recent years, the New Zealand housing market has experienced substantial growth, prompting concerns regarding housing affordability and financial stability. To address these issues, the Reserve Bank of New Zealand (RBNZ) has implemented Loan-to-Value Ratio (LVR) restrictions as a measure to manage risks in the housing market. LVR restrictions are […]

October 9, 20249 min read
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Fundmaster is an Auckland-based financial services firm that specialises in a wide array of services like mortgages for both residential as well as commercial, insurance advice, and business loans.

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