Why are Wills so Important and Why You Need One


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.

Debt to Income Ratios – How they Might Affect You in New Zealand.

Will the new DTIs be order or chaos?

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.

The Return of Interest Deductibility for Landlords in New Zealand

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.

How to Withdraw Your KiwiSaver

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.

Five Tips to Maximise Your KiwiSaver in 2024

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.

First Home Buyer’s Mindset: Unlocking the Door to Homeownership

Set yourself up for success, before you start shortlisting properties and planning what you’ll do with your quarter acre. Seek out experts and accept help. In fact, we’re here to guide and plan your homeownership journey right from the moment you start your career! “When you align all actions to a single outcome, and you keep working at it, your success will look effortless and obvious to the outside.”

Is it Better to Fix or Float Your Mortgage?

Whether you’ve just bought a new home or you’ve received a letter from your bank to fix or refix your mortgage, the question of whether to fix or float will inevitably arise. Making the right choice for your financial future is worth getting advice on.

Non-Bank Lenders in New Zealand

Have you ever wondered about the role of non-bank lenders in the New Zealand lending market? Often overlooked in favour of traditional banks, non-bank lenders are an excellent alternative worth exploring. In this article, we’ll delve into the intricacies of non-bank lending institutions, dispelling common misconceptions and shedding light on their vital role in New Zealand’s home loan market.

Simplified Financial Planning for Achieving Financial Freedom

Financial Planning combines a personalised financial plan, carefully engineered by a Financial Advisor, to illustrate the path towards earlier financial freedom. Our Financial Cashflow Modelling software maps your journey, spanning your life decisions all the way to age 100. Our plan will consider your wellbeing, ideal lifestyle, home life, family, business, work and long-term aspirations. This will give you the confidence needed to understand your financial situation and make the best decisions for tomorrow. Read on to see how we’ll help you obtain financial freedom and peace of mind earlier.

Exploring Life and Health Insurance: Part 1 – A Priority-Based Overview

In this series of articles, we will begin by exploring the various life and health insurance options and organising them in order of priority, specifically tailored to the needs of most New Zealanders. Following that, we will delve deep into the realm of Health Insurance. Finally, we will discuss the recommended approach for investing in your insurances, ensuring that they remain affordable for as long as you require cover.