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Articles by Meta Financial Solutions

News and information, written for Kiwis who take an active interest in their finances

Latest Post

Latest Mortgage Interest Rates

In a move eagerly awaited by New Zealand homeowners, the RBNZ has cut the OCR by 0.25%. This decision starts a likely gradual drop in interest rates over the next few years. It will bring relief to mortgage lending rates for Kiwis nationwide.

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Refinancing Your Mortgage in New Zealand

Refinancing your mortgage is the process of switching your mortgage to another bank or lender. Currently, banks are offering cashbacks of up to 1% of the loan amount – this is free money, paid into your bank account after you have signed the new loan documents, and is non-taxable.

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Revolving Credit Home Loan

We love helping our clients be mortgage-free quicker. You too can reach your goals and pay less in loan interest. Read how a revolving credit home loan may be right for you.

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50 Things That a Financial Adviser Does for You

We all know by now that good financial advice can either make you, or save you, a lot of money! But do you know the 50 things that a Financial Adviser does for you? That’s why Meta Financial Solutions specialises in Forward-thinking financial advice.

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Two Types of Deposits When Buying a House

When you are ready to buy your next house there are two separate “deposits” that get discussed. This can be confusing. This article will explain how your hard earned deposit works in the house buying process.

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Mortgages and
First Homes

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Wealth

Create Your
Wealth

In a move eagerly awaited by New Zealand homeowners, the RBNZ has cut the OCR by 0.25%. This decision starts a likely gradual drop in interest rates over the next few years. It will bring relief to mortgage lending rates for Kiwis nationwide.

What happens if a business owner dies, becomes disabled, or has a major health trauma? You may have built a dream team in your business – but sometimes life has other plans. You (probably) don't want to end up in business with your business partner’s wife or estate if the worst were to happen!

In a move eagerly awaited by New Zealand homeowners, the RBNZ has cut the OCR by 0.25%. This decision starts a likely gradual drop in interest rates over the next few years. It will bring relief to mortgage lending rates for Kiwis nationwide.

This blog will explore what DTI ratios are, how they impact your borrowing power, and what came into force 1 July 2024 as well as frequently asked questions we think will help you plan your next home loan or investment property purchase.

6 things you need to know about your mortgage pre-approval Letter of Offer.

A will is one of life’s essential legal documents people need to consider. To protect your hard-earned assets and provide for loved ones, having a will gives you peace of mind. The law is inflexible about what happens to your possessions if you die without one.

The Reserve Bank (RBNZ) is overhauling the criteria for mortgage lending in New Zealand. It plans to put in place debt-to-income ratios (DTI) by the middle of 2024. The goal is to cut risks to financial stability, and support sustainable house price growth. Most banks have already rolled out the changes to Mortgage Brokers.

Associate Finance Minister David Seymour has announced the Coalition Government’s final plans they have been working since the election. He said in a statement this week (March 10th 2024). Landlords can claim 80% of their interest expenses from April 1, 2024. They can claim 100 percent from April 1, 2025, onwards.

KiwiSaver is a voluntary savings scheme in New Zealand. Individuals can use it to save for their retirement. If you have been contributing to KiwiSaver for at least three years, you may be eligible to withdraw your savings in certain circumstances. In this article, we will study the different ways you can withdraw your KiwiSaver.

Traditionally, in January, we look at our current position. We make big decisions about what to change in the upcoming year. Whether our goal was to lose weight, pay off the mortgage or increase our retirement savings unfortunately, we sometimes falter by February. There are strategies that actually work to enhance our chances of success.

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Disclaimer

This calculator is intended as a guide only and is based on the Residential Owner Occupied rate. It is not intended to provide advice, and is not a quote or an offer of finance by any lender.