Capital Advice News
Stay informed of industry updates with the latest news on New Zealand interest rates, mortgages and insurance.
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.
April 4, 2025
Understanding Reverse Mortgages: How They Work and Who They Are For
Many homeowners in retirement find that everyday costs can become difficult to manage on a fixed income.
March 28, 2025
Understanding Property Valuations: A Homeowner’s Guide to Maximising Value
Property valuations play a vital role in managing the most significant asset many people own, which is their home.
March 21, 2025
How to Use Your Home’s Equity For Buying a Rental Property
Property ownership in New Zealand provides a powerful opportunity for wealth and generating long-term financial security.
March 18, 2025
What Can Stop You from Getting a Mortgage
Many lenders have tight restrictions on whom they lend money to. Even a minor mistake can lead to your mortgage application being rejected.
February 9, 2025
The Different Types of Home Loans on Offer in NZ
A home loan is a gateway to owning your dream home. With various types of home loans available in New Zealand, it’s essential to choose the one that best fits your financial situation and goals.
January 21, 2025
What Does A Mortgage Broker Do? How A Mortgage Broker Can Streamline The Process
Are you going to purchase a new home? If so, then you’re most likely wondering about mortgages and home loans.A Mortgage Broker can help you secure the finances you need to buy the home of your dreams. So, it’s essential that you take the proper steps to avoid mistakes and potential rejection.
November 6, 2024
When You Should See A Mortgage Broker
Securing a mortgage can feel daunting at times, especially when you consider how many options, lenders and rates are available. When you’re struggling to determine the right choice for you, a broker can provide you with clarity and much-needed assistance.
