Mortgages

After three years, the RBNZ has raised the OCR to 2.50% in a move that surprised many. With inflation concerns driving the decision but wholesale rates staying flat, borrowers face a mixed picture. Our blog explores the fallout and what you should do next.

Your mortgage shouldn’t be "set and forget"—it could be costing you thousands. Life and rates change. Is it time for a review? Signs include: your fixed rate is expiring, your life has changed, you hear about better deals, repayments feel tight, or you haven't looked in 2+ years. Don't wait. See the 5 signs and take our free Mortgage Health Check now.

The sound of the waves on the coast, the stillness of a lake at dawn, the smell of a pine forest; for many of us, owning a bach is the ultimate Kiwi dream. It’s not just a property - it’s a haven for family memories, a well-deserved escape, and a potential slice of financial opportunity. But is buying a bach the right move for you? And how do you navigate this unique part of the property market? At Naked Finance, we’re here to strip back the complexity. Let’s explore the key

Planning your next property move? Start by defining your goal and checking your financial health—your equity is key. Navigate the sell/buy dilemma carefully, then search with due diligence. At Naked Finance, we give you clear, straightforward advice to manage the complexities and power your next step. Let's begin.

Thinking about investing in NZ property? It requires a solid plan, not just hope. Before you start, define your goal: long-term capital growth or immediate cashflow. Then, ensure your finances are robust - lenders need you to pass strict stress tests with a 30-35% deposit. Remember, rules like the bright-line test and healthy homes standards are crucial. Build a team of experts, starting with a great mortgage adviser. Ready to build your portfolio strategically?

The Reserve Bank’s OCR cut last week created plenty of interest and naturally led many to expect mortgage rates to fall straight away. Floating rates did ease, but fixed rates have not followed and there's a straightforward reason for that. OCR: Floating Rates Have Eased, Fixed Rates Are Holding Firm Floating rates dropped shortly after the OCR cut, which is normal as they tend to move in line with short-term changes in the cost of borrowing. Fixed rates, however, stayed

We note the latest OCR announcement and discuss what it might mean for you.

The pain of inflation Vs the pain on the economy… 2024 was always going to be the year to make or break the direction of our economy and...

Mortgage refinancing is a strategic check-up for your home loan. It can lower your interest, restructure repayments, and accelerate your financial freedom. While costs exist, the long-term savings can be significant. Let our advisers navigate the entire market to find your best deal. Ready for a review?

Have you ever heard of mortgage stress or maybe you have felt mortgage stress before, lingering at the back of your mind and affecting...

Some major changes are happening to the lending policies certain banks are offering. There could be opportunity here for savvy investors.