Home Loans for Overseas Income Earners: New Zealand Guide 2025

New Zealand has long been a desirable destination for property investment and homeownership, attracting expats, foreign investors, and returning Kiwis alike. With its stunning landscapes, stable economy, and high quality of life, the country continues to appeal to individuals looking to establish roots or diversify their investment portfolios. For overseas […]

November 25, 20247 min read

Split Loan Strategies: Mastering Fixed and Floating Rates in NZ

Understanding Split Loans in the NZ Context In today’s dynamic New Zealand mortgage market, split loans offer a strategic approach to managing your home loan. By dividing your mortgage between fixed and floating rates, you can create a tailored solution that balances stability with flexibility. This approach is particularly relevant […]

November 11, 20243 min read

Auckland Home Loans Demystified: A First-Time Buyer’s Guide

The Auckland property market remains dynamic and competitive, driven by population growth and its status as New Zealand’s economic hub. Despite government initiatives like KiwiBuild, high demand continues to influence property prices and market accessibility. Ready to enter Auckland’s property market? Contact Fundmaster’s expert advisors for personalized guidance on your […]

October 28, 20242 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

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

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

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

Interest-Only vs Principal & Interest Home Loans in New Zealand

When exploring home loans in New Zealand, a crucial decision is choosing between an interest-only loan and a principal and interest home loan. Each option has its own benefits and challenges, and understanding these differences is essential for making the right choice for your financial future in the Kiwi property […]

October 8, 20244 min read

Things to look out for when searching for your ideal house in New Zealand

The property is situated in the centre of a lively and bustling neighbourhood, offering a wide array of amenities and services within walking distance. Its prime location affords excellent access to public transport, facilitating convenient commuting and exploration of the surrounding area. The neighbourhood is characterised by a friendly community […]

September 5, 20247 min read

How to guide for house hunting in New Zealand

The New Zealand housing market has been a prominent issue in recent years, with escalating prices and a dearth of affordable housing. Comprehending the current state of the market is essential for prospective property buyers in New Zealand. The market is highly competitive, particularly in major cities such as Auckland […]

September 5, 202410 min read

KiwiSaver First Home Buyer Guide: Using Your Savings for a Deposit

KiwiSaver is a voluntary savings programme in New Zealand designed to assist individuals in saving for their retirement. It is available to all New Zealand citizens, permanent residents, and individuals from other countries who are entitled to reside in New Zealand indefinitely. KiwiSaver is a long-term savings programme, and contributions […]

August 28, 20248 min read

Category: Home Loan