The bank said no. Can I still get a mortgage? What to do next.

September 18, 2026

Been told no by the bank? A mortgage decline doesn't always mean you can't buy a home. Find out why applications are declined, what you can do next, and when...

Will my debt stop me getting a mortgage in New Zealand?

September 11, 2026

In this article you’ll learn Why having debt doesn’t automatically stop you getting a mortgage Which types of debt can have the biggest impact on your borrowing power Why credit...

Do all banks have the same lending rules? Why one bank might say no while another says yes

September 3, 2026

In this article you’ll learn Why a “no” from one bank doesn’t always mean no everywhere The ways banks can assess the same application differently Which situations can make lender...

How much deposit do you really need? Stop saving for the wrong number

August 27, 2026

You might be saving for a deposit you don't actually need. Find out how to work out your realistic target deposit, understand your lending options and create a plan to...

Do you need a 20% deposit to buy your first home in NZ?

August 20, 2026

Think you need a 20% deposit before you can buy your first home? You might have more options than you realise. Learn how lower-deposit lending works, the trade-offs to consider,...

How much can I borrow for a home loan? | First Home Buyers NZ

August 13, 2026

How much can you really afford to borrow for your first home? Learn what banks look at, why borrowing capacity varies between lenders, and how to work out a mortgage...

5 signs you might be closer to buying your first home than you think

August 9, 2026

Wondering if you're ready to buy your first home? Discover the 5 signs you might be closer than you think, and why comparing yourself to others could be holding you back....

What do banks look at when approving a home loan in New Zealand?

July 30, 2026

In this article you’ll learn What banks are really looking for when assessing a home loan The biggest myths that catch first-home buyers out Simple changes that could improve your...

First Home Buyer? Here’s Why You Should Talk to a Mortgage Adviser Before Going to the Bank

July 2, 2025

Buying your first home is exciting — but let’s be honest, it can also be overwhelming. From figuring out what you can afford, to understanding finance jargon, to choosing the...

New Granny Flat Rules

April 23, 2025

We’re sure that there are a lot of Kiwis that are happy to know that new granny flat rules will mean that you will be able to build a granny...

Setting up your loan structure wisely

April 15, 2025

Buying your first home is a major milestone, and setting up the right loan structure is a crucial step in aiming to pay that loan down faster and help you...

Guarantors for home loans or the bank of Mum and Dad

April 6, 2025

Navigating Home Loans in Challenging Times: We’re Here to Help! With rising interest rates and the cost of living increasing, getting approved for a home loan is becoming more challenging....

July 2, 2025