Mortgages & Affordability

Guides to mortgage affordability, borrowing power, repayments, and how lenders assess first-home buyers in New Zealand.

How Boarders and Flatmates Can Help You Buy Your First Home in New Zealand

Including boarders or flatmates may improve home loan affordability and ongoing cash flow for some buyers, depending on lender policy, the property, local demand, tax, insurance, and lifestyle fit.

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Deposit options Pre-approval Finding a house Making an offer Going unconditional