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Buying a home? Start here.

Getting the right home loan and structure in place is what we live and breathe. We also guide you through the buying process, and pick up the phone to the right professionals to keep things moving. Our latest guides and market updates are below.

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● Buying a home articles

Guides for your next move

Costs, timing, trading up and what the Auckland market is doing, from Hamish and the team.

Buying a Home

31 Oct 2025

NZ housing market thawing with Auckland leading the way

REINZ stats are right up to the minute, as it includes unconditional house sales which are yet to settle. Auckland month on month in September saw an increase of 2.9% in the median price; while a further breakdown reveals 3.7% coming from Auckland City, 7.7% coming from Franklin. Further afield Wellington with a 2.7% increase

Hamish Patel

Founder & Financial Adviser

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Buying a Home

23 Sep 2025

Is it better to hold on to my existing place as a rental?

There is a junction reached in every home owners life when they need to move on, it could be for a leafier suburb or just more space to stretch out. When your home is where your child took their first steps, letting go is not easy. So should you hold on to it? Reasons why

Hamish Patel

Founder & Financial Adviser

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Buying a Home

29 Aug 2025

Is the housing market about to take off?

Hear me out, I know there has been countless predictions. Even I have been guilty of making the odd click bait type article suggesting the housing market might be at its bottom, albeit with huge disclaimers. But this time I feel a little more confident as there are a couple of undercurrents starting to work

Hamish Patel

Founder & Financial Adviser

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Buying a Home

28 Aug 2025

Can I still get house insurance in a country full of disaster?

Owning a home in New Zealand has always come with a few risks—earthquakes, floods, and the occasional volcanic rumble. But lately, the real shake-up isn’t just under our feet; it’s happening in the insurance market. The old assumption that house insurance would always be affordable and readily available is changing a little. Even though it

Hamish Patel

Founder & Financial Adviser

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Buying a Home

24 Jun 2025

If CV’s are rubbish, how do you work out the value?

How much is a house worth? The best way to work out the value of a home is actually something you already have access to and no its the CV. Different valuation methods serve distinct purposes and some are poor at indicating the true value. This article aims to demystify these approaches and provide clarity

Hamish Patel

Founder & Financial Adviser

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Buying a Home

28 May 2025

Water restrictions on the table could present opportunities to buy well

Watercare and Future Development Constraints Watercare has identified challenges in supplying drinking water and managing wastewater for potential future developments. They’ve released maps highlighting areas likely to face constraints on water services. Simply put, the current infrastructure can’t support the high volume of new builds allowed under the Unitary Plan. What if I’m in one

Hamish Patel

Founder & Financial Adviser

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Buying a Home, Mortgage

28 Apr 2025

NZ rents get better for some, house prices ummm

Whats happening? REINZ and Trademe data shows a little life in certain areas in terms of house prices. The increase in the supply of houses has not been at the same pace in every region. Rents are starting to show some sign of a dramatic increase in supply and it could be revealing the movement

Hamish Patel

Founder & Financial Adviser

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Buying a Home

28 Mar 2025

Whats on the menu for babies in terms of insurance?

What kinds of cover can you get for babies? Medical insurance which can provide private care is something that is available without health questions very early on. Before the age of 4-6 months depending on the provider. Trauma cover which can pay out under certain illness is also available add on to mums policy. Why

Hamish Patel

Founder & Financial Adviser

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Buying a Home

17 Dec 2024

The simple way to head towards being mortgage free

Heading towards a destination is easier when you have a map, of equal weight is knowing where you sit currently. We all understand that paying a mortgage off faster will result in paying a mortgage of faster. The key is understanding where you are in terms of your cashflow. We are using some new tools

Hamish Patel

Founder & Financial Adviser

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Buying a Home

30 Sep 2024

Is medicine covered in medical insurance since its a big part of treatment?

Surprisingly out of the 1,400,000 health insurance polices that might be active in NZ, guess how many have decent cover for medication? Well apparently one million of those policies only have less than $20,000 worth of medicine cover. Which means that most people with health insurance have access to government funded medication only. Many modern

Hamish Patel

Founder & Financial Adviser

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● How we help

More than just a home loan

Buying your first home? See our first home buyers guide.

Know your budget

We compare lenders and get you pre-approved, so you can make offers and bid at auction with confidence.

A structure that saves

Splitting fixed terms with a floating or offset portion gives you certainty now and room to pay it down faster.

Buying and selling

Moving house? We plan the timing and any bridging finance between buying your new place and selling your old one.

We keep it moving

We work with your lawyer, valuer and insurer, and pick up the phone so nothing holds up settlement.

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