Debt-to-income ratios – Everything you need to know about DTIs

Find out what DTIs are, why banks have implemented them and how they will affect you in 2025.

Author: Ed McKnight

Our Resident Economist, with a GradDipEcon and over five years at Opes Partners, is a trusted contributor to NZ Property Investor, Informed Investor, Stuff, Business Desk, and OneRoof.

Reviewed by: Peter Norris

Mortgage broker for over 10 years, property investor and Managing Director at Opes Mortgages

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Mortgages

Debt To Income Calculator

Find out how much you can borrow under the new DTI rules for your next investment property in 2025.

Mortgages

LVR restrictions – Here’s everything you need to know about them

Explore the 2024 updates on Loan to Value Ratio (LVR) restrictions in NZ. Understand how LVR changes impact borrowers, investors, and the housing market.

Number Crunching

LVR calculator – How to calculate LVR

This fast, simple and clear LVR Calculator will show you the LVR of your property in 2024, along with what you can potentially borrow against it.

Mortgages

How do I get a mortgage and pay it off?

This 9,500-word Epic Guide to Mortgages is the definitive article on how to get a mortgage and pay it off faster, today in 2022. The Ultimate Guide.

Mortgages

Revolving credit – What is it and how do I use it?

Learn exactly what a revolving credit is, how you set one up, and if using one could be the right strategy for you and your portfolio.

Mortgages

Latest interest rate changes in NZ

Explore the latest interest rate changes from NZ's main banks. Our detailed update shows recent shifts, allowing you to compare and understand how these adjustments could affect your finances.

Mortgages

Interest rate predictions– Where are interest rates heading?

Discover where interest rates are headed in 2025 and beyond so you can make informed decisions for your property portfolio.

Mortgages

Can I still get a mortgage if I’m on parental leave?

Getting a mortgage while on parental leave is possible, but it often comes with extra scrutiny from the banks.