Notes worth reading.

8 September 2026

KiwiSaver explained: How it works, what it costs, and how to choose a fund

Kiwisaver explained: understand contributions, fund costs, access rules, and how to choose a fund.

8 September 2026

10 best KiwiSaver funds for different investor goals

Find the best kiwisaver fund for your goals, risk level, fees, first home or retirement plans.

8 September 2026

What’s the best KiwiSaver for you? A practical guide to choosing the right fund

What's the best kiwisaver? Compare funds, fees, risk, returns, and contributions in this practical guide.

8 September 2026

New build home loan advice: A step-by-step guide to financing your new home

New build home loan advice: understand construction lending, budgeting, drawdowns, and permanent repayments.

8 September 2026

How to compare home loan rates New Zealand borrowers can actually afford

Compare home loan rates New Zealand borrowers can afford, including fees, LVR, terms, and repayment costs.

8 September 2026

Mortgage refinancing advice New Zealand homeowners can use to switch home loans confidently

Mortgage refinancing advice New Zealand homeowners can use to compare costs, rates, and loan structures.

8 September 2026

First home buyer mortgage advice: A practical guide to financing your first home

First home buyer mortgage advice on budgeting, loan options, deposits, preapproval, and closing costs.

8 September 2026

Self-employed mortgage broker New Zealand: How to secure the right home loan

A self employed mortgage broker New Zealand guide to income, documents, lender criteria and suitable home loans.

8 September 2026

How to choose the right mortgage adviser New Zealand homeowners can trust

Choose a mortgage adviser New Zealand homeowners can trust with clear, practical guidance.

Mortgages

How much deposit do you actually need to buy a first home in NZ?

The 20% number gets quoted like it's law. It isn't. Here's what deposit you actually need, and what banks weigh alongside it.

6 min read

KiwiSaver

Can I use my KiwiSaver to buy my first home?

Yes — with conditions. The three-year rule, the $1,000 you have to leave behind, and the timing traps that catch buyers out.

5 min read

Mortgages

When should you refix your mortgage in NZ?

Refix, refinance, or roll it over? Why the letter your bank sends you is a starting point, not the answer.

6 min read

Insurance

ACC vs income protection: what's actually covered?

ACC is well understood, and often misunderstood. Here's the gap between what people assume it covers and what it actually does.

5 min read

Insurance

How much life insurance do you actually need?

Ignore the round numbers. Sizing life insurance is about what your family would need to keep going, minus what's already there.

6 min read

KiwiSaver

Which KiwiSaver fund should you be in?

Most people are still in a default fund. Whether that's the right one depends on your timeframe, not the vibe of the label.

6 min read

Mortgages

Mortgage adviser or straight to the bank: which is better?

The bank you already use isn't automatically the best fit for the loan you want. Here's how the two paths actually differ.

5 min read

Mortgages

Buying a first home when you're self-employed in NZ

Being self-employed doesn't stop you buying a first home. But it changes what banks want to see, and how you present the story.

6 min read

Insurance

Do you need mortgage protection insurance in NZ?

Losing your income is manageable. Losing your income and having the mortgage payments still hit is what breaks households.

5 min read

KiwiSaver

Is your KiwiSaver on track for retirement?

'On track' is meaningless without a destination. Here's how to work backwards from the retirement you actually want.

6 min read