Property, explained properly.
Twenty plain-English guides for first home buyers, investors and homeowners. Written for New Zealand, grounded in the same data our tools run on.
The numbers, the rules and the first five steps. Everything worth knowing before you look at a single listing.
Read the guideFirst home buyers
Buy your first place with your eyes open.First Home Buyer Checklist
A step-by-step checklist for buying your first home, from deposit to settlement day.
Read the guideKiwiSaver First Home Withdrawal
Eligibility, amounts, how to apply and the mistakes that delay settlements.
Read the guideLVR Rules — What You Can Borrow
Deposit requirements, investor and owner-occupier limits, and ways to close a deposit gap.
Read the guideGetting a Mortgage in NZ
How mortgages work here, what lenders look for and how to present well.
Read the guideInvestors
Sharper decisions, better returns.Granny Flat Rules NZ 2026
The new national 70m² standard — which sections qualify, and what can still stop you.
Read the guideRental Yield Explained
Gross versus net yield, what counts as a good return, and how NZ cities compare.
Read the guideInterest-Only vs P&I — Which Is Better?
Cash flow, tax deductibility, reversion risk, and which structure suits your strategy.
Read the guideThe Bright-Line Test Explained
Who it applies to, the main home exemption, and how the tax is calculated.
Read the guideRental Expenses You Can Claim
Interest, rates, insurance, repairs and depreciation, with a full worked tax example.
Read the guideBest Cities for Rental Yield
City-by-city yield ranges, high-yield picks and the suburb patterns behind them.
Read the guideProperty Investment for Beginners
The numbers, rules and first steps for first-time investors.
Read the guideCalculators
The numbers, done for you. All free, no account.Rental Yield Calculator
Gross and net yield on any NZ property from a weekly rent figure.
Open the calculatorLVR Calculator
Your loan-to-value ratio, usable equity and the deposit you still need.
Open the calculatorInterest-Only vs P&I
The true cost difference between the two loan structures, side by side.
Open the calculatorProperty Tax Calculator
Estimate bright-line tax and the tax on your rental income.
Open the calculatorMortgage Calculator
Monthly repayments and total interest for any loan amount and term.
Open the calculatorYield vs Capital Gains
Rental income returns against long-term capital growth, on your numbers.
Open the calculatorData & research
Where our numbers come from.About Our Data
Where the numbers come from and how we use them.
Read the guideHow We Calculate Yields
Our methodology for rental yields and the metrics on every page.
Read the guideData Accuracy & Limitations
How we keep the numbers honest and what to keep in mind.
Read the guideFrequently Asked Questions
Yield, deposits, LVR, tax rules and how our tools work.
Read the guideGuides are general information only and do not constitute financial advice.
Always do your own research before making investment decisions.