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The era of falling interest rates is almost over. Over the past year, mortgage interest rates have dropped sharply — the average one-year fixed interest rate has fallen from 7.5% in 2024 to around 4.97% today, a drop of 250 basis points. But the biggest declines are likely behind us, and the window to lock […]

The dawn of a new year often inspires fresh goals and aspirations. For many, 2025 could be the year to achieve the dream of homeownership. Navigating the NZ property market can be both exciting and daunting, but with the right steps, you’ll be well-prepared to secure your dream home. This comprehensive guide will walk you

If you’re navigating the world of mortgages in New Zealand, you might have come across the term “revolving credit.” But what exactly is it, and how can you make the most of it? This blog covers what revolving credit is, its key differences vs offset accounts, and seven smart ways you can use it as

Interest rates play a pivotal role in the New Zealand real estate market. Interest rates can influence everything from mortgage affordability to property prices. Understanding how interest rates work and their impact on the mortgage market is crucial for both homebuyers and investors.  In this blog post, brought to you by top Mortgage advisers in

First home buyer’s checklist for Aucklanders in 2024 As 2024 unfolds, the Auckland property market continues to present unique opportunities and challenges for first home buyers. Navigating this dynamic landscape requires up-to-date insights and a clear understanding of current trends. Here’s what you need to know about Auckland’s housing market and how you can make

The Reserve Bank of New Zealand has confirmed significant changes to mortgage lending rules, effective from July 1, 2024. These changes will ease loan-to-value ratio (LVR) restrictions and introduce debt-to-income (DTI) ratios, impacting both first-time homebuyers and property investors. Here’s a detailed overview: Current Rules Until July 1, 2024 Loan-to-Value Ratio (LVR) Restrictions New Rules

Navigating the complex world of mortgage options, interest rates, and lenders can be overwhelming and time-consuming. Securing a mortgage to purchase a home is one of the most significant financial decisions a person can make. Thankfully, there’s a valuable ally in this process: the mortgage broker. A mortgage broker acts as a middleman between borrowers

A mortgage broker’s function is unquestionably valuable in the tapestry of New Zealand’s real estate environment. With our experience, network, and commitment to your financial success, we will turn the often intimidating process of obtaining a mortgage into a smooth and empowering trip. Partner with Mortgage Masters who offer a plethora of benefits tailored to

Essential tips to help first-time home buyers navigate the mortgage process in New Zealand.  Buying a house for the first time is an exciting milestone, but it can also be a daunting journey, especially when it comes to securing a mortgage. In New Zealand, navigating the mortgage process may seem complex, but with the right

Thinking about buying a home but struggling to save up a deposit for NZ home loans? Mortgage Masters is here to help shine a light on all your financial options for purchasing a home or buying land NZ. This includes co-ownership, an exciting option for first home buyers who can’t afford a deposit for a