Insights from the Trebla team
Plain English answers to the questions our clients ask most. General information to help you understand your options, not advice for your specific situation.
Local · 16 July 2026
What a mortgage broker in Auckland does, what it costs, and how Trebla's Financial Advisers work across all the main NZ banks from our Kohimarama office in the eastern bays.
Read more →Rates & Structure · 8 July 2026
The Reserve Bank lifted the Official Cash Rate on 8 July 2026 and signalled more increases could follow. What the decision means if you are weighing fix, float, or refix.
Read more →First Home Buyer · 6 July 2026
The Kāinga Ora First Home Loan can get eligible buyers into a home with a 5% deposit. Who qualifies, the income caps, and how it compares to a standard low-deposit bank loan.
Read more →Mortgage · 2 July 2026
Most calculators give one number. The real answer is the lowest of three limits: your deposit, the DTI ratio, and the bank's servicing test. Here is how each one works.
Read more →KiwiSaver · 29 June 2026
For most first home buyers, KiwiSaver is the biggest piece of the deposit. Who qualifies, how much you can take out, and the timing that catches people out.
Read more →Mortgage · 27 June 2026
Pre-approval tells you how much a lender will lend before you start house hunting. Here is what it means, how long it takes, and what you need to have ready.
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