How Much Deposit Do First Home Buyers Really Need in NZ in 2025?

For many Kiwis, the dream of homeownership often comes with a significant challenge: saving enough for the deposit on a house in NZ. If you’re a first home buyer, understanding how much you need to save can feel overwhelming, especially with changing regulations and market conditions. Questions like how much […]

March 5, 20258 min read

Fixed vs Floating: Making Strategic Mortgage Decisions in 2025’s Changing NZ Market

Navigating the complexities of mortgage interest rates in New Zealand in 2025 can be challenging, given the dynamic financial landscape shaped by economic policies, global markets, and local demand. Whether you are a first-time buyer or looking to restructure your existing mortgage, understanding the nuances of interest rate options is […]

January 21, 20256 min read

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

Property Improvements That Add Value During NZ Refinancing

Understanding Value-Adding Improvements in 2025 When considering a cash-out refinance in New Zealand, strategic property improvements can significantly increase your home’s value and potentially qualify you for better lending terms. However, not all improvements offer the same return on investment (ROI), and it’s crucial to understand which upgrades will maximize […]

November 11, 20244 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

Category: Home Loan