Capital Advice News
Stay informed of industry updates with the latest news on New Zealand interest rates, mortgages and insurance.
February 9, 2026
How to Finance Your Home Renovation: A Practical Guide for New Zealand Homeowners
Renovating your home improves your living and usually adds value to your property. If you are updating kitchens and bathrooms or planning a more extensive makeover, one of the first questions is the same for many homeowners: How can I fund this renovation?
February 5, 2026
Loan-to-Value Ratio Explained: What LVR Means for Your First-Home Deposit
If you are buying your first home in New Zealand, you wil quickly come across the term Loan-to-Value Ratio, shortened to LVR. It’s one of the key rules banks use when deciding how much they are willing to lend, and it directly affects how large your deposit needs to be.
January 5, 2026
How Much Can I Borrow for My First Home?
One of the first things Kiwi first home buyers ask is a simple one: how much will they lend me? Knowing your borrowing power helps you set a realistic price range and avoid wasting time on homes that will not fit your budget.
December 18, 2025
New Build vs Existing Properties: Pros and Cons for First Home Buyers in New Zealand
For first-home buyers, one big question is whether to buy a brand-new build or an existing property.
December 8, 2025
New Builds: Construction Loan vs Turnkey Loan?
Buying a brand-new home is exciting. However, as a first-home buyer in New Zealand, you’ll likely face a big question of construction loan or turnkey contract?
November 13, 2025
What Is Mortgage Pre-Approval and Why Should You Get One?
Buying a home is a big decision, and mortgage pre-approval can give you a valuable head start in the process.
October 14, 2025
Top Tips for First-Time Property Investors: What You Need to Know
Stepping Into the World of Property Investment Investing in property is one of the most popular ways Kiwis grow wealth, but the first step can feel daunting.
October 3, 2025
Tips to Help First‑Time Buyers Get on the Property Ladder
Buying your first home should be exciting, not overwhelming. As Wellington‑based mortgage advisers who work with clients across New Zealand, we help first‑home buyers organise smart finance, and avoid costly pitfalls.
September 30, 2025
How much deposit do you need for an investment property in NZ?
The most common question we hear is: “How much deposit do I actually need?”. When it comes to investment properties in New Zealand, deposit requirements are typically higher than for owner-occupied homes.
August 25, 2025
How Long Does Mortgage Approval Typically Take in New Zealand?
House hunting runs on deadlines. This guide sets clear expectations for timeframes, from first conversation to final approval, so you can plan viewings and negotiations with confidence.
April 11, 2025
Downsizing Your Home for a Changing Lifestyle
A shift in housing needs often accompanies life changes such as retirement, children moving out, or a desire for greater flexibility. Moving to a smaller space can be both liberating and practical. Lower utility bills, simpler upkeep, and the potential to unlock equity are just a few benefits. Outlined below are steps to approach downsizing with less stress and more clarity.
