New Zealand guides
New Zealand Property & Mortgage Guides
Plain-English guides on mortgages, investment property, and home buying in New Zealand. Each guide links to the relevant calculator so you can put the concepts into practice immediately.
Extra repayments on a NZ mortgage: what you need to know
Fixed vs floating rules, break fees, and how extra repayments reduce your NZ mortgage term.
LVR restrictions in New Zealand explained
RBNZ LVR rules for owner-occupiers and investors — what they mean for your deposit requirements.
Rental yield in New Zealand: the investor guide
Gross vs net yield, interest deductibility changes, and what good yield looks like across NZ markets.
Rent vs buy in New Zealand: the full comparison
LVR deposit requirements, no stamp duty advantage, appreciation, and the break-even analysis for NZ buyers.
Fixed vs floating mortgage rates in NZ
How to choose between fixed and floating rates, split strategies, and what to do at refix time.
The bright-line test for NZ investors
How the NZ bright-line property rule works, who it affects, and current rules after 2024 changes.