Blueprint Finance New Zealand

Blueprint Finance New Zealand First home or fifth - Get top advice from NZ's premium advisers. Mortgages, Insurance, and KiwiSaver.

18/06/2026

Renting can look more affordable at the start, especially when you compare it against a mortgage, rates, insurance and maintenance.

But the long-term picture is different.

Rent increases over time, while the mortgage repayment becomes a more stable housing cost.

One of the big benefits of home ownership is not just owning the asset — it is gradually reducing your exposure to future rent increases.

The rent-and-invest strategy can still work, but only if the difference is invested consistently and not absorbed into lifestyle spending.

This is why the rent vs buy debate is not as simple as “rent is cheaper” or “buying is better.”

17/06/2026

In this example, renting starts with a lower weekly cash-flow cost than owning.

Why?
Because owning a home is not just the mortgage. You also need to allow for rates, insurance and maintenance.

In the podcast model, that created a gap of around $440–$449 per week at the start.

The key assumption is that the renter does not simply spend that difference — they invest it.
That is where the rent-and-invest strategy starts to build momentum.

But this is only the first part of the story 📖

So the real question is not just “which is cheaper today?”
It is: what strategy are you actually going to stick to for the next 30+ years?

General information only. Everyone’s situation is different.

16/06/2026

Navigating the daycare rules when your kid gets sick can be challenging! Glad to have a work-from-home option, but not everyone is as lucky. How do you manage when your little one is under the weather? 🤔

16/06/2026

Around 43% of NZ mortgage debt is either floating or due to refix within six months 📆

That is not just paperwork.

It is a decision point.

The rate matters, but so does the structure: term, split, repayment level, savings, offset or revolving credit, and whether your whole loan rolls off at once.

Do not treat your refix like admin.

General information only. Not financial advice.

Sources: RBNZ / NZ Adviser.

16/06/2026

What actually builds more wealth over 35 years — buying your first home, or renting and investing the difference?

In this episode, Rory and Daniel go head-to-head on the numbers, the psychology, and the lifestyle trade-offs behind one of the biggest financial decisions Kiwis make.

The answer is not as obvious as people think.

General information only. The numbers are based on podcast assumptions and are not personalised financial advice.

15/06/2026

Balancing career and family: exploring the true cost of childcare and making it work for your situation.

15/06/2026

People asked us to explain the $9.6m number, so how does renting your whole life leave you with $9.6m? 🏡

Here’s the simple breakdown from the podcast example:

We assumed a couple in their early 30s had $200,000 combined in KiwiSaver — so roughly $100,000 each.

Instead of withdrawing that money for a first home deposit, they leave it invested until age 65.

Over 35 years, based on the return assumptions used in the example, that $200k grows to around $6.3m through investment compounding.

Then there’s the second part.

At the start, renting is cheaper than owning once you include the mortgage, rates, insurance and maintenance.

So in the model, they invest the difference between renting and owning over time.

That separate investment account grows to around $3.3m.

So the rough total is:

$6.3m from KiwiSaver left invested
+ $3.3m from investing the rent-vs-owning difference
= $9.6m total by age 65

This is not saying renting is always better than buying.

It’s a hypothetical example showing how powerful compounding can be when money is left invested for decades.

General information only. The numbers are based on podcast assumptions and are not personalised financial advice.

15/06/2026

Budget 2026 added a new cost to banks, non-bank lenders and insurers 🏦 🛡️

The Government says the new prudential levy is small compared with big bank profits.

But in banking, costs do not always show up as obvious fees.

They can show up quietly through margins, pricing, or slightly worse numbers for customers.

General information only. Not financial advice.

Source: Beehive / Budget 2026

There's free government money on the table — and almost no one's claiming it. 👀 96% of newly-eligible 16 & 17-year-olds ...
12/06/2026

There's free government money on the table — and almost no one's claiming it. 👀 96% of newly-eligible 16 & 17-year-olds haven't contributed enough to unlock the KiwiSaver Government contribution. The fix is small: ~$20 a week can unlock $260+ in free money every year.

Got a teen in KiwiSaver? Let's make sure they're not in that 96%.

Source: Stuff.

General info only, not advice.

Is this the buyer's market everyone's been waiting for? 🏡 Average value ~$808,187, flat for months. Sellers aren't rushi...
12/06/2026

Is this the buyer's market everyone's been waiting for? 🏡 Average value ~$808,187, flat for months.

Sellers aren't rushing — buyers aren't either. Flat prices reward the ready: get your pre-approval and structure sorted now, so you can move while others wait. 📲 Link in bio.

Source: RNZ

General info only, not advice.

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