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 are trying to do things differently at Naked Finance. We approach financial advice holistically and with the aim to educate our clients. We practice what we preach and match our employees KiwiSaver contributions to promote smart investing. And we have moved every part of our business to be paperless to lower our impact on the planet. Which makes us proud to announce a significant milestone in our journey to minimise our environmental impact: by going paperless, we have sav