Housing affordability across New Zealand has improved noticeably, with the latest figures from Cotality showing conditions are now the most favourable they’ve been in several years.
A growing number of first home buyers are stepping onto the property ladder with less than a 20% deposit, showing how low-deposit lending options are helping people buy sooner.
Buying with a partner, friend, or family member can be a great way into the market, but it’s also one of those situations where things need to be really clear upfront.
In December 2025, refinancing activity hit record levels. In fact, Kelvin Davidson from Cotality shared via Trade Methat it was the biggest month on record for mortgage borrowing.
If you’ve been watching the property market and wondering “what’s actually going on right now?”, you’re not alone.