Advice Knight

Ready to buy your first home? 🏡

Introducing our new First Home Buyers Guide to help make the journey feel a little less overwhelming.

Inside, you’ll find practical tips on:
• How to get started.
• What banks look for.
• How much deposit you may need.
• Steps to take before you apply.

If you’re thinking about buying your first home, this guide is a great place to start. Click the link in our bio or send us a message to get your hands on a free copy!

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Are you in the right KiwiSaver fund?
Fund performance makes a huge difference. It’s not just saving, it’s where you put it. Review your KiwiSaver today to make sure it’s working as hard as you are.

Click the KiwiSaver Review link in our bio to get started.

This is what it’s all about - we love helping make the property process easier and giving advice that made sense for the long run.

Thank you for trusting Anthony Sage and the team — we really appreciate it and are so happy we could help.

📣 The OCR has moved again — so what does that mean for your mortgage? 🏠 💰

With the Reserve Bank lifting the Official Cash Rate, we’re likely to see continued pressure on interest rates. For homeowners and buyers, this can impact repayments, borrowing power, and overall strategy.

Now more than ever, it’s important to:
* Review your current loan structure
* Check when your fixed rates are rolling over
* Explore options to reduce interest costs and stay in control

Every situation is different — and small changes can make a big difference over time.

If you’re unsure how this affects you, we’re here to help you make sense of it and plan your next move with confidence.

Send us a message or get in touch for a quick review.

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We always love helping first home buyers!

Thank you for the feedback guys, it was a pleasure to be part of your journey and we wish you every happiness in your new home!

Heard of LVR but not quite sure what it means for you?

LVR (Loan-to-Value Ratio) is a key factor banks use when deciding your home loan. In simple terms, it’s the percentage of the property value you’re borrowing. The lower your LVR, the less risk for the bank — and often the better your options.

For example, if you’re buying a $800,000 home with a $160,000 deposit, your LVR is 80%. This unlocks sharper rates and avoids extra costs like low equity margins.

With lending rules and bank policies constantly shifting, understanding your LVR can be the difference between getting approved — or not.

If you’re unsure where you sit, it’s worth checking before you start house hunting.

Is your KiwiSaver still working as hard as you are? 💰 💪

With winter here, now is a great time to take a fresh look at your KiwiSaver.

Our free annual KiwiSaver review gives you a chance to make sure it is still working for your goals, check how your balance is tracking, see whether your fund type still fits your risk and timeline, and explore ways you could grow your savings more effectively over time.

If you’d like to book a review, simply click the ‘KiwiSaver Review’ link on our profile and we’ll get in touch to arrange a time that suits you.

Even if you’re not ready for a full review, a quick chat with an adviser can still give you useful insights into your fund performance and highlight any changes you might want to consider since your last conversation.

Is your KiwiSaver still working as hard as you are? 💰 💪

With winter here, now is a great time to take a fresh look at your KiwiSaver.

Our free annual KiwiSaver review gives you a chance to make sure it is still working for your goals, check how your balance is tracking, see whether your fund type still fits your risk and timeline, and explore ways you could grow your savings more effectively over time.

If you’d like to book a review, simply visit: https://www.adviceknight.co.nz/kiwisaver-review or send us an email and we'll be in touch.

Even if you’re not ready for a full review, a quick chat with an adviser can still give you useful insights into your fund performance and highlight any changes you might want to consider since your last conversation.

Ready to make your next move? For a limited time, you could receive a 1% cash contribution for new lending with select main banks.

Whether you are buying your first home, upgrading, or refinancing, this could mean extra cash back in your pocket to help with moving costs, renovations, or simply getting ahead faster. With the right structure and advice, small advantages like this can make a big difference over time.

Get in touch today to see if you qualify and how we can tailor your lending to suit your goals.

Terms and conditions apply, available for a limited time.

📢 OCR Update: No Change Today

The Reserve Bank has held the Official Cash Rate at 2.25%.

For homeowners, that means we’re still in a period where rates are relatively stable, but the direction ahead will depend on how inflation and the economy track from here.

If your fixed rate is coming up for renewal, now is a good time to review your options and make sure your structure still suits your goals.

Every mortgage is different — and the right strategy can make a big difference over time.

If you’d like a second opinion on your home loan, we’re here to help.

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