Capital Advice News
Stay informed of industry updates with the latest news on New Zealand interest rates, mortgages and insurance.
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. Knowing how valuations work can assist property owners with decisions about selling, refinancing or renovating. This guide covers the main points of property valuations, the meaning of rateable and capital values, and ways to add value without overspending. What Property Valuations Involve A property valuation is a formal assessment of a property’s worth at that particular moment. Banks, buyers, sellers and insurance providers rely on valuations to confirm the true market position of a property. The assessment typically considers the location, size, property features and comparable sales in the same area. […]
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. One popular strategy is to convert the built-up equity in your existing home into a springboard for purchasing a rental property. This approach can help you either diversify an investment portfolio or secure extra income upon retirement. Below is a clear outline of how equity works, the ways to access it, and steps to consider when allocating it toward an investment property. Understanding Equity Equity represents the portion of your home that you own outright, calculated by subtracting any outstanding mortgage from the property’s current market value. Here is a simplified example: Original purchase […]
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. Fortunately, if you understand the potential pitfalls of mortgage applications and get professional help from a mortgage broker, you can avoid mistakes and enhance your chances of approval.
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.
November 5, 2024
Is It Worth Getting A Mortgage Broker
Buying a new home in Wellington is an exciting yet complex process. Having enough money to purchase a home can be a challenge for the average person, so many choose to work with professional mortgage brokers to guide them through the mortgage process.
November 4, 2024
What Are Pros and Cons of Using a Mortgage Broker?
When navigating the world of home loans in NZ, having a knowledgeable mortgage broker on your side can make a significant difference. However, understanding if using a mortgage broker is the right choice for you and loan involves considering both the benefits and potential drawbacks.
September 27, 2024
How Can A Mortgage Broker Help You?
Understanding New Zealand’s home loan and mortgage market can be an overwhelming and stressful experience, especially if you’re a first-home buyer or new to the world of mortgages. So, we at Capital Advice are here to assist you. Our team of experienced NZ mortgage brokers can make a difference by helping you understand your opportunities.
June 8, 2016
Financial stability reason for unchanged OCR
The Reserve Bank may have left the OCR unchanged – due to a more upbeat economic assessment – this morning, but economists continue to expect a further cut to come.
June 8, 2016
Property values continue to grow, and not just in Auckland according to QV
The latest QV House Price Index is out and confirms a continuation of previous trends. Auckland values have continued to rebound after their short and shallow drop, while much of the rest of the country is also rising.
June 8, 2016
Welcome to May’s Capital Comment…
Well we seemed to have skipped Autumn and marched straight into Winter! It has been pretty grim out there! We have been amazingly lucky with the weather but it was always going to end sooner rather than later! Not so the low interest rates though with strong suggestion that the OCR will be cut again on the 9th June. In reality I still think it is unlikely that we’ll see much change to the fixed rates even if the OCR is cut with possibly just the odd rate dropping below 4% in the form of a special…special for who though…?!