Insights

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Insights

Welcome to the Optimise Finance blog, your go-to resource for expert financial advice, tips, and insights. Whether you're looking to secure a mortgage, navigate business financing, or plan for retirement, our blog covers a wide range of topics to help you make informed financial decisions. With over 15 years of experience, we aim to simplify complex financial concepts, offering clear, actionable guidance to help you achieve your financial goals. Stay tuned for regular updates, expert advice, and the latest industry trends to keep your finances on track.

Split vs Floating vs Fixed: Which Loan Type Works Best for Kiwis in 2025?

Choosing the right home loan structure can make a big difference to your financial future. In this article, we break down the pros and cons of fixed, floating, and split mortgages — and explain which options suit different situations in today’s market. Whether you’re after certainty, flexibility, or a bit of both, we’ll help you find a solution that fits your goals.

Should you Refix or Refinance your Mortgage?

Thinking about your next move as interest rates shift? This article breaks down the pros and cons of refixing vs refinancing your mortgage in New Zealand — and helps you decide which option makes the most financial sense.

10 FAQ's Home Buyers Have for Mortgage Brokers

Buying a home is one of the biggest financial commitments you'll ever make. If you're a first-time home buyer or even an experienced property investor, working with a financial adviser often referred to as a ‘mortgage broker’, can help simplify the process. Here are 10 frequently asked questions that home buyers in New Zealand often have when working with a mortgage broker.

Why Choose Optimise Finance for Your Equipment Financing Needs?

In today's competitive business environment, having the right equipment is crucial for maintaining efficiency and driving growth. However, acquiring new machinery, vehicles, or technology often requires significant capital investment. This is where Optimise Finance steps in, offering tailored equipment finance solutions to help your business thrive. Read our article to find out more.

The Benefits of Using a Financial Adviser or Mortgage Broker in New Zealand

Working with a financial adviser or mortgage broker in New Zealand can help you secure better loan terms, save time, and access a wider range of lenders. This article explores the key advantages of expert guidance in navigating home loans, investments, and refinancing options.

Is a Reverse Mortgage right for you?

If you’re 60 or older and looking for a way to boost your retirement lifestyle, a reverse mortgage could be a great solution. However, it is important to ensure you properly understand the key risks and benefits. Find out more.

Here come the rate cuts!

The Reserve Bank of New Zealand (RBNZ) recently reduced the Official Cash Rate (OCR) by 50 basis points, bringing it down to 4.25%.

The New Zealand Banking Inquiry: A Chance to Build a Stronger Financial Future

New Zealand’s banking system is under the spotlight as the government investigates whether it’s truly serving the needs of the country’s economy.

Launch Day!

We’re excited to announce the launch of Optimise Finance, a Hibiscus Coast based finance brokerage firm dedicated to simplifying the borrowing process for ambitious Kiwis.