Expert NZ mortgage advice, tips for home buyers, investors and refinancers. New articles published regularly by Mortgage Time's Wellington-based advisers.
First Home
Featured Guide • 15 September 2026
Buying property off family can be a great opportunity. Learn how valuation, lending, tax and legal advice help protect everyone in the deal fairly.
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Advice & Tips
14 September 2026
Considering nonbank home loans in New Zealand? See how they work, who they may suit, the trade-offs to weigh and ways to apply with confidence and care.
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Advice & Tips
13 September 2026
Understand lending policies, what lenders assess and how to prepare a stronger New Zealand home loan application with independent guidance for buyers.
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First Home
12 September 2026
Learn when you can use KiwiSaver for deposit, how much to leave behind, and the steps to take before making a first-home offer in New Zealand with care.
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Advice & Tips
11 September 2026
Understand ways to access home equity in New Zealand, from top-ups to refinancing, and choose a structure that supports your next property goal well.
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Advice & Tips
10 September 2026
Learn how to buy house overseas in New Zealand: check eligibility, prepare your deposit, meet lender rules and settle with confidence without surprises.
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Advice & Tips
9 September 2026
Learn how to split mortgage loans to balance certainty, flexibility and repayments. A guide to structuring a New Zealand home loan with greater clarity.
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First Home
8 September 2026
Mortgage interest rates affect more than repayments. Learn what shifts them, how lenders set pricing and how to choose a loan structure with confidence.
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Advice & Tips
7 September 2026
Understand how loan to value ratios affect your deposit, interest rate and lender choices, so you can plan your New Zealand home loan with confidence.
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First Home
6 September 2026
Buying property with parents can help you get into a home sooner. Learn how deposits, ownership, loans and agreements work in New Zealand for families.
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Advice & Tips
5 September 2026
Buying property from overseas in New Zealand? Learn how residency rules, deposits, income checks and loan pre-approval shape a confident purchase plan.
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Investment & Business
4 September 2026
Our property investor mortgage guide explains deposits, rental income, loan structures and lender checks for New Zealand buyers planning ahead today.
Read GuideOur Wellington-based advisers are here to help you find the right home loan — no obligation, no jargon.