Essential reading before you apply for a home loan in NZ. Discover the hidden hurdles that can ruin your mortgage application.
We cover everything from the impact of Buy Now Pay Later (Afterpay) limits on your borrowing power to ensuring your credit file is perfectly clean for the banks.
It is the ultimate trap for first-home buyers in New Zealand: you have a great deposit and a solid income, but the bank dramatically reduces your mortgage offer—or declines it entirely—because of a $1,000 Afterpay […]
If your credit score has taken a hit, an online ad promising a “No Credit Check Loan” with “Guaranteed Approval” might look like a lifesaver. But in New Zealand, it is almost certainly a massive […]
One of the most frustrating experiences for a Kiwi borrower is paying off an old debt, only to find out the “default” is still sitting on their credit report, blocking them from getting a mortgage […]
Did you know that in New Zealand, you don’t just have one credit score—you have three? And depending on which lender you apply to, the score they see might be completely different from the one […]
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