Welcome to our blog — a space where we share easy-to-understand guides, helpful insights, and real-world advice to help you make smarter financial decisions.
Business owners often have real wealth tied up in their company, but using that equity to buy investment property needs careful structure. This guide covers how to separate risk, choose the right entity, fund deposits smartly, and plan tax and exit options without putting the business at risk.
New mortgage rules have changed how borrowers and investors plan in New Zealand. With DTI limits now in force, LVR rules easing again from December 2025, and the bright-line test still shaping selling timelines, smart borrowing now means aligning income, equity, and tax strategy together.
Non-bank lenders are growing fast in New Zealand because they can help borrowers banks often decline — like self-employed clients, complex structures, and short-term funding needs. Here’s when they’re a smart fit, and the key risks advisers should manage.
