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Takapuna
Auckland
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1 day ago

๐Ÿ  Multigenerational Living: A Growing Trend in Aotearoa New Zealand๐Ÿ 

Financial Adviser, Director from adviceHQ

The trend of multigenerational living is on the rise in New Zealand, where families pool their resources to buy or build homes that accommodate three generations. Whether driven by cultural values, financial considerations, or the desire for closer family connections, this way of living is becoming… View moreThe trend of multigenerational living is on the rise in New Zealand, where families pool their resources to buy or build homes that accommodate three generations. Whether driven by cultural values, financial considerations, or the desire for closer family connections, this way of living is becoming increasingly popular.

Recently, adviceHQ was featured in a Trade Me article by Gill South highlighting the financial and practical benefits of multigenerational living. As more families face the rising cost of living, pooling resources can provide access to larger, more desirable homes while ensuring security for each generation.

adviceHQ specialise in helping families navigate the complexities of financing such arrangements, ensuring that both long-term goals and immediate needs are met.

If your family is considering multigenerational living, reach out to see how we can help you structure your finances and plan for the future.

#HomeandIncome #MultiGenerationalLiving #HomeOwnership #TradeMeProperty #adviceHQ

5 days ago

6yrs of Independent Financial Advice with adviceHQ

Financial Adviser, Director from adviceHQ

This month, adviceHQ reaches its six-year milestone of delivering independent financial advice to clients across New Zealand, Australia, UK, US, and beyond.


Our experience has strengthened our belief in the importance of independent advice. It allows us to provide clear, unbiased guidance that… View more
This month, adviceHQ reaches its six-year milestone of delivering independent financial advice to clients across New Zealand, Australia, UK, US, and beyond.


Our experience has strengthened our belief in the importance of independent advice. It allows us to provide clear, unbiased guidance that helps our clients make well-informed financial decisions.

I want to thank our clients for your continued trust and support. Itโ€™s a privilege to be part of your financial journey. A special thank you to our partners and providers who have contributed to our growth and success.

With Ben Presling, Michael Williams, Kaye Penney, and I bringing over 90yrs combined experience in financial services, we look forward to building on our foundation and continuing to serve clients for many years to come.

#adviceHQ #IndependentFinancialAdvice

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15 days ago

๐Ÿ“ฐ adviceHQ Economic Update ๐Ÿ“ฐ

Financial Adviser, Director from adviceHQ

โŒ Unemployment: +0.6% this yr, +1.3% vs June 2022.
โŒ Building Consents: -4% in June 2024 qtr, -35% vs June 2022 qtr.
โŒ GDP: -0.2% in June 2024 qtr, a 2yr per capita recession.
โœ… Inflation: 3.3% and falling, just 0.3% above the target range.
โœ… RBNZ OCR: 5.25% and expected to decline.
View more
โŒ Unemployment: +0.6% this yr, +1.3% vs June 2022.
โŒ Building Consents: -4% in June 2024 qtr, -35% vs June 2022 qtr.
โŒ GDP: -0.2% in June 2024 qtr, a 2yr per capita recession.
โœ… Inflation: 3.3% and falling, just 0.3% above the target range.
โœ… RBNZ OCR: 5.25% and expected to decline.

The NZ economy remains finely balanced, with the delayed effects of the recession still unfolding. Meanwhile, regulators are beginning to respond to these conditions. Today, the US Federal Reserve provided firm direction by cutting rates by 0.5%. Will the RBNZ follow suit and provide similar relief?

If you're concerned about how this may impact your financial position, adviceHQ provides independent financial advice on mortgages, insurance, KiwiSaver, and business/commercial lending. Feel free to reach out to Ben Presling, Michael Williams, or myself to review your current strategy and explore future options.

#advicehq #independentfinancialadvice #EconomicUpdate #inflation #unemployment #buildingconsents #OCR

25 days ago

๐Ÿ† We Have a Winner! ๐Ÿ†

Financial Adviser, Director from adviceHQ

A huge thank you to everyone who visited us at the Auckland Home Show and entered our Paddleboard giveaway. We're excited to announce that Roxanne van Rooy is the lucky winner! ๐Ÿ„โ€โ™€๏ธ๐ŸŽ‰ Thanks to Lily and Sophie who help with the draw.
At adviceHQ, we offer independent financial … View more
A huge thank you to everyone who visited us at the Auckland Home Show and entered our Paddleboard giveaway. We're excited to announce that Roxanne van Rooy is the lucky winner! ๐Ÿ„โ€โ™€๏ธ๐ŸŽ‰ Thanks to Lily and Sophie who help with the draw.
At adviceHQ, we offer independent financial advice on mortgages, insurance, KiwiSaver, business, and commercial finance โ€” helping you make informed decisions for a brighter future.
Get in touch with us for independent financial advice tailored to your needs.
#AucklandHomeShow #adviceHQ #IndependentFinancialAdvice #Mortgages #Insurance #KiwiSaver #BusinessFinance #CommercialFinance

WIN A PADDLEBOARD-White2.docx Download View

27 days ago

๐Ÿ„โ€โ™‚๏ธ Last Day Left to Win a Paddleboard ๐Ÿ„โ€โ™€๏ธ

Financial Adviser, Director from adviceHQ

The @AucklandHomeShow is in full swing, and thereโ€™s still time to visit adviceHQ at Stand 746, Hall 7 and enter to WIN a Paddleboard!
Whether you're looking for mortgage, insurance, or KiwiSaver advice, we're here to help โ€” and you could walk away with this epic prize.
๐Ÿ•’ 10am -… View more
The @AucklandHomeShow is in full swing, and thereโ€™s still time to visit adviceHQ at Stand 746, Hall 7 and enter to WIN a Paddleboard!
Whether you're looking for mortgage, insurance, or KiwiSaver advice, we're here to help โ€” and you could walk away with this epic prize.
๐Ÿ•’ 10am - 9pm Saturday
๐Ÿ•• 10am - 6pm Sunday
Don't miss out! Stop by and see how we can help you thrive in 2025.
#AucklandHomeShow #adviceHQ #IndependentFinancialAdvice

Free

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29 days ago

๐Ÿ„โ€โ™‚๏ธ Win with adviceHQ at the Auckland Home Show๐Ÿ„โ€โ™€๏ธ

Financial Adviser, Director from adviceHQ

We're giving you the chance to WIN a Paddleboard at the Auckland Home Show! Just visit us at Stand 746, Hall 7 for your shot at taking home this awesome prize.
Show Hours:
๐Ÿ•’ 10am - 9pm Thu - Sat
๐Ÿ•’ 10am - 6pm Sun
Don't miss outโ€”come see us and enter to win!
#advicehq … View more
We're giving you the chance to WIN a Paddleboard at the Auckland Home Show! Just visit us at Stand 746, Hall 7 for your shot at taking home this awesome prize.
Show Hours:
๐Ÿ•’ 10am - 9pm Thu - Sat
๐Ÿ•’ 10am - 6pm Sun
Don't miss outโ€”come see us and enter to win!
#advicehq #AucklandHomeShow #independentfinancialadvice

Free

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35 days ago

๐ŸŽ‰ Auckland Home Show TICKET GIVEAWAY ALERT! ๐ŸŽ‰

Financial Adviser, Director from adviceHQ

adviceHQ are excited to be at the Auckland Home Show from Thursday 5th to Sunday 8th September โ€” and we want YOU to join us!
adviceHQ are giving away 5 DOUBLE PASSES to this yearโ€™s event. Simply comment on this post to enter, and you could be one of our lucky winners! ๐Ÿ โœจ

Be sure to … View more
adviceHQ are excited to be at the Auckland Home Show from Thursday 5th to Sunday 8th September โ€” and we want YOU to join us!
adviceHQ are giving away 5 DOUBLE PASSES to this yearโ€™s event. Simply comment on this post to enter, and you could be one of our lucky winners! ๐Ÿ โœจ

Be sure to visit us at Stand 746 during the show. Weโ€™ve got another amazing giveaway waiting for you there!

Good luck, and we can't wait to see you at the show! ๐ŸŽŸ๏ธ

#adviceHQ #Giveaway #AucklandHomeShow #WinTickets

๐Ÿก AUCKLAND HOME SHOW
๐ŸŽŸ Get your tickets: www.aucklandhomeshow.co.nz...
๐Ÿ“… DATES: THU 5 โ€“ SUN 8 September 2024
๐Ÿ“ Auckland Showgrounds, Greenlane Auckland | 450+ Exhibitors & Brands | All at in 1 location
#Aucklandhomeshow #thingstodoinauckland #HomeshowNZ

Free

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37 days ago

Be Ready to Thrive in 2025

Financial Adviser, Director from adviceHQ

๐ŸŒŸ I'm happy to share that Iโ€™ve been featured in this month's Channel Magazine article, "Be Ready to Thrive in 2025." ๐ŸŒŸ
In the article, I discuss the current economic conditions and share insights on navigating these challenging times. From emphasizing the importance of … View more
๐ŸŒŸ I'm happy to share that Iโ€™ve been featured in this month's Channel Magazine article, "Be Ready to Thrive in 2025." ๐ŸŒŸ
In the article, I discuss the current economic conditions and share insights on navigating these challenging times. From emphasizing the importance of setting aside funds for the IRD and creditors to reflecting on lessons learned from previous economic crises, it's all about preparing for a brighter future.
A huge thank you to Aidan Bennett from Channel Magazine for the feature!
#IndependentFinancialAdvice #ThriveIn2025 #ChannelMagazine #adviceHQ

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42 days ago

๐ŸŒŸ Feel Good Friday๐ŸŒŸ

Financial Adviser, Director from adviceHQ

At adviceHQ, giving back to the community is a core part of who we are. One cause close to our hearts is the Special Children's Christmas Party.
While the big corporates may be the main event sponsors, we believe every contribution counts. Our support helps bring smiles to the faces of … View more
At adviceHQ, giving back to the community is a core part of who we are. One cause close to our hearts is the Special Children's Christmas Party.
While the big corporates may be the main event sponsors, we believe every contribution counts. Our support helps bring smiles to the faces of children, making their Christmas just a little bit brighter โ€“ which is what the season is all about! ๐ŸŽ„
We encourage businesses, big or small, to join us in supporting this incredible cause to create unforgettable memories for these special kids.
For more details, reach out to zac@scevents.co.nz.
#FeelGoodFriday #CommunitySupport #GivingBack #SpecialChildrensChristmasParty #adviceHQ

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51 days ago

๐Ÿ”” RBNZ OCR Decision 2pm Wednesday: What Can We Expect?๐Ÿ””

Financial Adviser, Director from adviceHQ

Markets have spoken! The 2yr swap rate (bank wholesale funding rate) has dropped to Sep 2022 levels (4.19%), down 1.6% from the peak on 4 Oct 2023 (5.79%).

The latest inflation and unemployment statistics have left the door wide open for OCR cut/s. The only unknown variable is the RBNZ itself, … View more
Markets have spoken! The 2yr swap rate (bank wholesale funding rate) has dropped to Sep 2022 levels (4.19%), down 1.6% from the peak on 4 Oct 2023 (5.79%).

The latest inflation and unemployment statistics have left the door wide open for OCR cut/s. The only unknown variable is the RBNZ itself, the organization tasked with "protecting and promoting the stability of New Zealandโ€™s financial system."

At adviceHQ, we assist clients in both increasing and decreasing rate environments. Contact us for independent financial advice on your mortgage refix, restructure, or refinance.

#advicehq #RBNZ #ocr #financialadvice #mortgages #interestrates

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65 days ago

Credit Conditions Ease: What It Means for You

Financial Adviser, Director from adviceHQ

Earlier this month, we shared updates on legal and regulatory changes in the property and finance industry, including DTI, LVR, CCCFA, interest deductibility, and Brightline rules. These changes are now being reflected in bank credit criteria and lending policies.
Additionally, we've seen a … View more
Earlier this month, we shared updates on legal and regulatory changes in the property and finance industry, including DTI, LVR, CCCFA, interest deductibility, and Brightline rules. These changes are now being reflected in bank credit criteria and lending policies.
Additionally, we've seen a significant shift in interest rates.

Wholesale interest rates, which influence retail mortgage rates, have dropped by 1%, bringing the 2yr swap rate back to levels last seen in September 2022. Banks have reduced their mortgage rates, and there may be more cuts on the horizon. One bank has lowered its income testing rate by 0.25%, potentially leading others to follow suit.

So, what does this mean for borrowers? Loan affordability has improved, and the barriers to borrowing have decreased. โœ…

And for the property market? Traditionally, falling interest rates and easing credit conditions stimulate more market activity. However, only time will tell how this trend will unfold. โœ…

If you're considering your options, get in touch with Advicehq to understand your current position and explore future opportunities.

#advicehq #independentfinancialadvice #mortgagerates #nzpropertyinvestor

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70 days ago

adviceHQ is now accredited with FAMNZ!

Financial Adviser, Director from adviceHQ

๐Ÿ””We are proud to announce that adviceHQ is now accredited with FAMNZ!๐Ÿ””

Recognition by FAMNZ, an independent body dedicated to working with advisers, lenders, government, and other regulators, underscores our commitment to achieving better outcomes for our clients.


Our accreditation … View more
๐Ÿ””We are proud to announce that adviceHQ is now accredited with FAMNZ!๐Ÿ””

Recognition by FAMNZ, an independent body dedicated to working with advisers, lenders, government, and other regulators, underscores our commitment to achieving better outcomes for our clients.


Our accreditation reflects our ongoing dedication to providing high-quality, independent financial advice and upholding the highest standards in our industry.

Thank you to our team and clients for your continued trust and support.

#adviceHQ #FAMNZ #IndependentFinancialAdvice

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74 days ago

Sponsorship Announcement: advicehq Backs @Albany Junior High School

Financial Adviser, Director from adviceHQ

"We are very proud to announce that advicehq has come on board to sponsor our Banqer Financial Literacy Programme, a class rolled out for Year 10 students in Term 3. This partnership brings a valuable opportunity to our students, providing them with essential life skills for managing finances … View more"We are very proud to announce that advicehq has come on board to sponsor our Banqer Financial Literacy Programme, a class rolled out for Year 10 students in Term 3. This partnership brings a valuable opportunity to our students, providing them with essential life skills for managing finances effectively.
advicehq holds a special connection with Albany Junior High School through their Client Manager, Kaye Penney, who is the mother of Isaac and Annabelle, students at our school.

advicehq is a full-service advisory firm providing independent financial advice on mortgages, insurance, KiwiSaver, business and commercial lending. They will be actively involved in running workshops and providing resources to enhance our financial literacy curriculum. You will also see the advicehq team at various Albany Junior High School events.
To learn more about their services, visit www.advicehq.co.nz...
We look forward to a successful collaboration with adviceHQ and the positive impact it will have on our studentsโ€™ financial education."

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80 days ago

๐Ÿ“‰ REINZ June 2024 Property Market Update ๐Ÿ“‰

Financial Adviser, Director from adviceHQ

REINZ House Price Index (HPI) is up 1.3% for the year to June 2024, Auckland lags at +0.4% YoY.
With reduced inflation pressures and wholesale interest rates falling 0.5% since 1 July, how long will the buyers market last?
#reinz #advicehq

86 days ago

RBNZ OCR Unchanged, Door Open for Cut in 2024

Financial Adviser, Director from adviceHQ

๐Ÿ’ฒThe 2yr swap rate fell 0.2% after the RBNZ OCR announcement, hitting levels not seen since Nov 2022.๐Ÿ’ฒ
โ—พNov 2022: avg 2yr mortgage rate = 6.75%
โ—พJun 2024: avg 2yr mortgage rate = 7.35%
That's a 0.6% increase in mortgage rates.
โœ… Implication: if these levels hold, there could be… View more
๐Ÿ’ฒThe 2yr swap rate fell 0.2% after the RBNZ OCR announcement, hitting levels not seen since Nov 2022.๐Ÿ’ฒ
โ—พNov 2022: avg 2yr mortgage rate = 6.75%
โ—พJun 2024: avg 2yr mortgage rate = 7.35%
That's a 0.6% increase in mortgage rates.
โœ… Implication: if these levels hold, there could be room for mortgage rates to fall.
#adviceHQ #RBNZ #OCR #mortgagerates #interestrates

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