Blog & Guides
Expert advice, practical tips, and comprehensive guides to help you navigate the journey to your first home in New Zealand.
Understanding DTI Limits in NZ: What First Home Buyers Need to Know
The 2026 DTI (Debt-to-Income) limit is 6.0x. Learn how this affects your borrowing power and what you can do to maximize your chances of approval.
How to Save for a House Deposit Faster in 2026
Practical strategies to accelerate your deposit savings. From KiwiSaver hacks to high-interest accounts, discover proven methods to reach your goal sooner.
Using KiwiSaver for Your First Home: Complete Withdrawal Guide
Step-by-step guide to withdrawing your KiwiSaver for your first home purchase. Eligibility requirements, process timeline, and common pitfalls to avoid.
Fixed vs Floating Mortgage Rates: Which is Better in 2026?
With rates ranging from 4.59% to 4.90%, should you fix or float? We analyze the pros, cons, and current market conditions to help you decide.
First Home Grant NZ: Are You Eligible for Up to $10,000?
The First Home Grant can give you up to $10,000 towards your deposit. Learn the eligibility criteria, application process, and how to maximize your chances.
LVR Restrictions Explained: How Much Deposit Do You Really Need?
LVR (Loan-to-Value Ratio) restrictions require a minimum 20% deposit for investors, but first home buyers have options with just 5-10%. Here's what you need to know.
Auction vs Private Treaty: Buying Your First Home in NZ
Should you buy at auction or through negotiation? Understand the risks, benefits, and strategies for each approach in the current NZ property market.
Best Auckland Suburbs for First Home Buyers in 2026
Discover the most affordable and promising suburbs in Auckland for first home buyers. We analyze prices, growth potential, and lifestyle factors.
Why Mortgage Pre-Approval Matters (And How to Get It)
Pre-approval gives you a clear budget and strengthens your negotiating position. Learn why it's essential and how to get pre-approved quickly.
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