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 • 5 October 2026
Learn how to prepare a property deposit in New Zealand, from setting a target and proving savings to using KiwiSaver, gifts and equity wisely for approval.
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Market News
4 October 2026
Learn how to arrange auction finance before bidding in New Zealand, from pre-approval and deposits to settlement planning, lender checks and confidence.
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First Home
3 October 2026
Want to apply with irregular income for a New Zealand home loan? Learn what lenders look for, which documents help, and how to prepare with real confidence.
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First Home
2 October 2026
Inheritance wealth transfer can change your home loan options. Learn how to plan a deposit, reduce debt and make confident property decisions for NZ homes.
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Advice & Tips
1 October 2026
Interest rates shape your repayments, borrowing power and loan choices. Learn how to assess fixed and floating options for your New Zealand mortgage now.
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Advice & Tips
30 September 2026
Considering intergenerational home buying NZ? Learn how deposits, ownership, lending and family agreements can support a confident property decision today.
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Advice & Tips
29 September 2026
Understand offset versus revolving credit, how each home loan structure works in New Zealand, and how to choose the option that suits your cash flow.
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First Home
28 September 2026
Are cash contributions taxable in New Zealand? Know when gifts, family deposit help, donations and business payments affect your home loan application.
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Advice & Tips
27 September 2026
Low deposit home loans can help you buy sooner. Learn how deposits, LMI, guarantors and lender rules shape your options and next steps in New Zealand clearly.
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Refinancing
26 September 2026
Refixing vs refinancing mortgage: learn when to stay with your lender, when to switch, and how to weigh rates, fees, flexibility and your goals today.
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Advice & Tips
25 September 2026
Learn how to get conditional approval for a home loan, what lenders assess, documents to prepare and how to turn conditions into confident next steps.
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Advice & Tips
24 September 2026
Understand principal versus interest payments, see how your home loan balance changes, and choose a repayment approach that fits your property goals.
Read GuideOur Wellington-based advisers are here to help you find the right home loan — no obligation, no jargon.