Posts by adviceHQ
598 days ago

Property / Finance Changes from 1 July 2024

Financial Adviser, Director from adviceHQ

🎤 July 1 brings a raft of changes to the finance and property market:

Bright-line Test:
✅ Now 2yrs (previously up to 10yrs).


Deposit Requirements:
✅ 30% deposit for investment properties (previously 35%).
✅ 20% lending available for low deposit properties (previously 15%).

Debt-to-Income (DTI) Ratios:
➖ DTI ratio restricted to 6 x for owner-occupier lending (20% exception).
➖ DTI ratio restricted to 7 x for investor lending (20% exception).

Credit Contracts and Consumer Finance Act (CCCFA) Reforms:
✅ Commerce Minister Andrew Bayly and Housing Minister Chris Bishop said the government is revoking 11 pages of what it calls "overly prescriptive affordability regulations."

These changes should stimulate activity in the finance and property market, contact adviceHQ for independent financial advice to help you secure your future.

#adviceHQ #DTI #LVR #CCCFA

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More messages from your neighbours
27 minutes ago

FREE hearing checks - 25th Feb 2026

The Doctors Sunset

Dilworth Hearing is coming to The Doctors Sunset to offer free 20-minute hearing screenings for adults aged 50+. A quick and easy way to check your hearing health.

Have you noticed it’s getting harder to follow conversations in busy places, or that you’re turning up the TV more often? A hearing screening can help you understand what’s going on.


Dates: Wednesday, 25th Feb 2026
Time: 8:30am – 12:30pm
Where: The Doctors Sunset, 317 Sunset Road, Sunnynook

Ask at reception to book your free appointment - 09 478 2878

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9 hours ago

Poll: 🤖 What skills do you think give a CV the ultimate edge in a robot-filled workplace?

The Team from Neighbourly.co.nz

The Reserve Bank has shared some pretty blunt advice: there’s no such thing as a “safe” job anymore 🛟😑

Robots are stepping into repetitive roles in factories, plants and warehouses. AI is taking care of the admin tasks that once filled many mid-level office jobs.

We want to know: As the world evolves, what skills do you think give a CV the ultimate edge in a robot-filled workplace?

Want to read more? The Press has you covered!

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🤖 What skills do you think give a CV the ultimate edge in a robot-filled workplace?
  • 52.8% Human-centred experience and communication
    52.8% Complete
  • 16.7% Critical thinking
    16.7% Complete
  • 25% Resilience and adaptability
    25% Complete
  • 5.6% Other - I will share below!
    5.6% Complete
36 votes
1 day ago

Brain Teaser of the Day 🧠✨ Can You Solve It? 🤔💬

The Riddler from The Neighbourly Riddler

Make a hearty dish. Take just half a minute. Add four parts of kestrel. Then just add one. What have you made?

(Trev from Silverdale kindly provided this head-scratcher ... thanks, Trev!)

Do you think you know the answer? Simply 'Like' this post and we'll post the answer in the comments below at 2pm on the day!

Want to stop seeing these in your newsfeed? No worries! Simply head here and click once on the Following button.

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