Mortgage-Advice

MTF | 8 Jul 2025

Why isn’t this bigger news?

For a prospective homebuyer, the number of houses to choose from in New Zealand is the highest it has been for about ten years (1), and interest rates the lowest they have been in more than three years (2). Whether you're a first-home buyer, looking to refix your existing mortgage, or expanding your property portfolio, there are fantastic opportunities available right now.
Mortgage-Advice

By Narelle Jakeway, MTF Mortgage Adviser | 18 Nov 2024

What size deposit do you need to buy a house in NZ?

If your next big goal is buying your first home, saving up for your deposit can become something of an obsession. And a good one too, because property ownership is how most Kiwis improve their financial position over a lifetime. As with all goals, it helps to know what the finish line looks like, i.e. how much do you need to save to buy a suitable property? So in this article we’ll look at the question of house deposits from every angle.
Mortgage-Advice

MTF Finance | 18 Nov 2024

What is a good debt-to-income (DTI) ratio? 2024 guide

While lenders and the New Zealand government have a set of affordability rules for loans, everyone’s situation is different. Pushing your mortgage-to-income (MTI) or debt-to-income (DTI) ratio up to the limit might not be the best option for you. Before you commit to a home loan, it’s important to get independent financial advice from someone like a mortgage adviser. This article is designed to help you get ready for those discussions.
Mortgage-Advice

By Narelle Jakeway, MTF Mortgage Adviser | 18 Nov 2024

Mastering a home loan payment calculator

Our easy-to-use mortgage repayment calculator quickly reveals what your regular payments will be for a particular home loan. It also lets you try different scenarios and immediately see how they would affect your mortgage payments.
Mortgage-Advice

MTF Finance | 23 Oct 2024

What's the difference between a mortgage broker and a mortgage adviser?

When you’re shopping around for a home loan, you may come across the terms ‘mortgage adviser’, mortgage broker’, and even ‘financial adviser’. When talking about home loans, all of these job descriptions offer a similar service - so why the different names?

Mortgage-Advice

MTF Finance | 7 Aug 2024

High LVR lending (low deposit loans)

For many first-home buyers, the housing market has been a bit of a distant dream recently.
Mortgage-Advice

MTF Finance | 10 Jun 2024

How mortgage interest works

If you’re thinking of buying a home or investment property, interest rates are probably invading your thoughts at every opportunity – especially if you’re a first-time buyer. Keep reading to learn about the ins and outs/ups and downs of home loan interest. Knowledge is power!
Supporting our communities

MTF Finance | 4 Apr 2024

Agricultural Lending: Insights from the Field

Our country relies on our agriculture, and the good sorts who make it happen. Wherever tractors hum and pastures stretch across the hills, you’ll find people mucking in and growing food, fibre and other primary goods to keep the country moving.
Mortgage-Advice

MTF Finance | 15 Mar 2024

Why use a mortgage adviser?

Getting a great mortgage deal for your home is probably at the top of your wish list when it comes to making a buy or sell decision – whether you’re entering the market, upgrading, downsizing, or anything in between.
Mortgage-Advice

MTF Finance | 29 Feb 2024

Finance Your Home Improvement and DIY Projects

You know that home improvement job that you’ve been putting off? Well, here’s your sign that it’s time to get on top of it!