Mortgage Insights

Plain-English guides on NZ mortgages, rates, KiwiSaver, and property investing, written by the Indus Mortgages team.

Refinancing 1 May 2025

When Does Refinancing Your Mortgage Actually Make Sense?

Refinancing can save thousands — or cost you money if the timing is wrong. Here's when to move, what break costs look like, and what to check before you switch.

By Soumya Shine Read more

Self-Employed 18 April 2025

How Being Self-Employed Affects Your Mortgage Application

Banks assess self-employed income very differently to PAYE. Understanding what lenders look for — and how to present your application — is the difference between approval and rejection.

By Biju Surendran Read more

Strategy 2 April 2025

Should You Fix Your Mortgage Rate? A 2025 Guide for NZ Borrowers

Fixed rates give certainty. Floating rates give flexibility. Here's how to think about your rate decision as the RBNZ continues its cutting cycle.

By Biju Surendran Read more

Investment 30 March 2025

Investment Property in NZ — LVR Rules and What They Mean for You

Most residential investors now need a 30% deposit (20% for new builds). Here's what the LVR rules actually say, the exceptions that exist, and how to structure your position.

By Biju Surendran Read more

First Home Buyers 20 March 2025

What NZ First Home Buyers Actually Need for a Deposit

The 20% deposit rule stops many buyers before they start. Here's the honest picture — KiwiSaver, the Kāinga Ora First Home Loan, and low-deposit pathways explained.

By Biju Surendran Read more

First Home Buyers 15 March 2025

Guide to getting pre-approved for a mortgage

Learn the steps to secure pre-approval and confidently start your home-buying journey.

By Biju Surendran Read more

First Home Buyers 28 February 2025

KiwiSaver First Home Withdrawal: What You Actually Get

KiwiSaver is one of the most underused tools in first home buying. Here's a plain-English breakdown of eligibility, how much you can withdraw, and how it works alongside a low-deposit First Home Loan.

By Biju Surendran Read more

Ready to take the next step?

Our guides give you the foundation, but every situation is different. Book a free consultation and we'll work through the specifics with you.

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