20/07/2026
Inflation hits 4.1%, highest in over two years
Inflation hits 4.1%, highest in over two years
The rise is driven by the spike in fuel prices caused by the conflict in the Middle East.
24/06/2026
Earning extra cash or running a side hustle in the Waikato to fast-track your home deposit? 💰
While bringing in extra revenue is brilliant for your household budget, getting a second income mortgage nz application over the line requires playing by a very specific set of rules.
Before you assume your extra hours automatically mean a larger loan approval, here is exactly how New Zealand lenders evaluate secondary earnings:
🔹 PAYE Second Jobs: If you are working a steady second job on modern payroll, most banks want to see at least 6 to 12 months of consistent history to prove the hours are guaranteed.
🔹 Self-Employed Side Hustles: If you are contracting, freelancing, or running an online store, banks typically require 1 to 2 years of official IRD tax returns before they will add those profits to your borrowing calculator.
🔹 The Paper Trail: Mixing your side hustle income with your personal everyday spending is the fastest way to get a decline. Lenders need a clean, traceable separation of funds.
Don't let strict banking criteria or election-year noise stall your property goals. You just need to know how to structure your accounts before the bank looks at your statements.
👇 Tap the link below to read our complete guide on making your extra income count, or send us a message to check your options.
🔗 Read the Full Guide: https://www.mortgageandinsurance.co.nz/second-income-mortgage-nz-side-hustle/
21/06/2026
With all the headlines floating around about the upcoming election, interest rates, and changing tax rules, it’s easy to feel like the goalposts for buying a home keep moving.
If you are currently trying to balance a budget and build a deposit, here is a quick piece of news that won't cost you a cent: You don't have to figure this out alone.
A lot of first-home buyers in Hamilton think using a mortgage broker is just another added cost to add to the pile. It's not.
Here is how it works at Mortgage & Insurance New Zealand:
The banks pay us: Our expertise, advice, and negotiation power come at zero cost to you.
We cut the jargon: We don't care about political spin; we care about your actual bank statements and getting Andre to secure that "YES".
Local focus: We know the Waikato market inside out, from Rototuna down to Cambridge.
Stop stressing over the news cycle. Let’s look at your actual numbers and build a plan that works regardless of who wins the election.
👇 Tap the link below to read our step-by-step guide on how to save for a home deposit locally, or drop us a line directly to look at your options.
🔗 Read the Guide: https://www.mortgageandinsurance.co.nz/how-to-save-for-a-home-deposit/
🔗 Book a Free Chat: https://www.mortgageandinsurance.co.nz/first-home-buyer/
24/06/2026
21/06/2026