Purchasing a home is an exciting and life-changing event, but it's important to approach the process with a clear head and careful consideration. Unfortunately, many homebuyers make mistakes when obtaining a mortgage that can cost them in the long run. In this blog post, we'll discuss some common mistakes Kiwi homebuyers make when getting a mortgage and how to avoid them.

Buying an apartment in a hotel can have both advantages and disadvantages, depending on your specific circumstances and goals. However, there are some general reasons why it might not be the best investment for everyone:

Securing a mortgage and insurance policies are big financial commitments that require careful consideration and planning. However, once you've set up these arrangements, it's important to regularly review them to ensure that they still meet your current needs.

As your life changes, your financial situation and priorities can shift too. You may have different goals, a change in income, or new responsibilities. These changes can have an impact on your mortgage and insurance policies, which is why regular reviews are essential

Life Insurance: What is it and Why Should You Have it?

Life insurance is a type of insurance policy that provides a lump sum payment to your loved ones in the event of your death. In this blog, we will discuss what life insurance is and why it is important to have, with a focus on the benefits for individuals in different age groups.

Total Permanent Disability Insurance: What is it and Why Should You Have it?

Total Permanent Disability (TPD) insurance is a type of insurance policy that provides financial protection in the event of an individual becoming permanently disabled and unable to work. In this blog, we will discuss what TPD insurance is and why it is important to have, with a focus on the benefits for individuals in different age groups.

Health Insurance: What is it and Why Should You Have it?

Health insurance is a type of insurance policy that provides coverage for medical and surgical expenses incurred by an individual or a family. It is designed to provide financial protection in the event of an unexpected illness or injury. In this blog, we will discuss why health insurance is important and how it can benefit individuals in different age groups.

We all work hard to earn a living and provide for our families. However, life is unpredictable, and we cannot always anticipate what may happen in the future. That is why having an income protection insurance policy can give you peace of mind, knowing that you and your loved ones are financially protected in the event of an unexpected illness or injury that prevents you from working.

What is Income Protection Insurance?

Personal finance has become a hot topic in recent years, with more and more people looking for ways to manage their money better. As a result, there are a plethora of financial advisors, gurus, and bloggers offering advice on how to achieve financial success. However, it's important to note that not all advice is created equal. In this blog, we will compare popular financial advice with the advice provided by economic professors.

Financial freedom is a goal that many people aspire to achieve. It's the ability to live your life on your terms, without worrying about money or being constrained by financial constraints. While it's not easy to achieve financial freedom, it's definitely possible with the right mindset and approach.

So what exactly is financial freedom? At its core, it's the ability to have enough money to cover your expenses and live the lifestyle you want without being reliant on a job or any other form of income. It's about having enough passive income to cover your expenses and not being tied down to a traditional 9-5 job.

Here are some key steps you can take to achieve financial freedom:

Personal finance has become a hot topic in recent years, with more and more people looking for ways to manage their money better. As a result, there are a plethora of financial advisors, gurus, and bloggers offering advice on how to achieve financial success. However, it's important to note that not all advice is created equal. In this blog, we will compare popular financial advice with the advice provided by economic professors.

Interest rates are a crucial aspect of the economy, affecting everything from personal finances to national economic growth. In recent years, interest rates have been at historic lows, but there are signs that this trend is changing. Rising interest rates have significant implications for consumers, businesses, and governments, making it essential to understand what is driving this trend and how it might affect your financial well-being.

What Causes Rising Interest Rates? , How does it work?

Financial planning is an essential aspect of our lives that helps us to achieve our financial goals and dreams. It involves a comprehensive evaluation of your current financial status and determining your future financial objectives, creating a financial plan that helps you achieve them, and monitoring your progress towards those objectives.

In today's world, where we are continually bombarded with information and options about how to spend our money, it can be challenging to make the right decisions. This is where financial planning comes into play. By taking a structured approach to managing your finances, you can make informed decisions that will enable you to reach your financial goals and enjoy a better quality of life.

The New Zealand housing market has been undergoing a series of changes in recent years, and the year 2023 has brought a new set of challenges. One of the most significant trends is the increase in interest rates, which is putting pressure on both buyers and sellers in the market. In addition, house prices have been experiencing downward pressure, while it takes longer to sell a house.

Insurance is an important tool to protect yourself and your loved ones from financial risks that may arise due to unforeseen events. Personal risk insurances provide coverage for events such as illness, accidents, disability, and death. However, with so many different types of insurance policies available, it can be challenging to determine which ones you should take. In this blog, we will discuss which personal risk insurances you should consider taking based on your age group.

If you are experiencing financial hardship in New Zealand, there are several options available to you on of them is withdrawing your KiwiSaver. How does this work and is it a good idea?

Buying a house is a major financial decision that can have long-lasting implications on your life. It is a considerable investment, and it's crucial to protect it with a reliable insurance policy. One such policy that can offer financial security to your family in case of your untimely death is life insurance. Life insurance is not just important for the breadwinner of the family; it is also essential for homeowners, especially if you have a mortgage. In this blog, we will discuss why having life insurance when you buy a house is essential.

Identifying and Mitigating personal risk is an important step in protecting oneself from potential harm, loss, or financial ruin. In this article, we will explore several effective strategies for mitigating personal risk and ensuring greater peace of mind.

In this blog I will explain what you should be aware of.

At the moment BNZ is offering a 1 year fixed interest for 4.99%. Is this a good offer or is there a catch?

In this blog I will explain what you should be aware of.

Changing your home loan to interest-only may seem like an attractive option to ease financial hardship, but it's important to understand the implications and potential risks of doing so. In this blog, we'll explore whether changing your home loan to interest-only is a viable way to get out of financial hardship.

When the Official Cash Rate (OCR) rises, it may seem counterintuitive to think that it could benefit you when buying a house. However, there are some ways in which a rising OCR can actually work in your favor.