Journal
What we're thinking, written down.
Plain-English explainers on home loans, insurance, KiwiSaver and the New Zealand property market. No filler — just the answers we end up giving in calls every week.
First home
KiwiSaver first home withdrawal — what it is and how to use it
Most first home buyers underestimate what their KiwiSaver can do for their deposit. Here's a plain-English run-through of who qualifies, what you can withdraw, and the three things people get wrong.
Matt Edwards · 30 April 2026
First home
LVR rules in plain English — what they mean for first home buyers
A lot of first home buyers think a 20% deposit is the law. It isn't. Here's what LVR actually is, how the Reserve Bank's speed limits work, and what it really means for getting in with less.
Gareth King · 29 April 2026
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