Blog

Already own a home and thinking about buying your next one? HTL Group mortgage adviser Serina Nicholson explains what to sort first, whether you need to sell before you buy, and how to get your finance ready before you make an offer.

Around 40% of the S&P 500 sits in just 10 companies. HTL Group's Allie Black looks at what that means for everyday NZ investors — and whether your portfolio is as diversified as you think it is.

Learn when a reverse mortgage or home equity release option may help older NZ homeowners access funds, and when to be cautious. Serina Nicholson, HTL Group Mortgage Adviser explains.

Business insurance can fall out of step as a business changes. We look at five risks that can be missed at renewal, from property use and one-off work to changing responsibilities, rural operations and cyber risk.

The middle of the year is a useful time to pause and check what still fits. From mortgage refixes and insurance renewals to KiwiSaver contributions, investments and business cover, a mid-year review can help identify what may need attention before the second half of the year gets underway.

Recent discussion around NZ Super is a reminder to review your KiwiSaver and take control of your retirement future with greater certainty.

A recent cyber breach involving a local business is a reminder that cyber attacks can happen to any organisation — even those with strong IT systems in place. Here’s what happened and why cyber insurance matters more than ever.

Now in Cromwell, HTL Group offers trusted local insurance, mortgage and financial advice across Central Otago. Book your free review today.

Make the most of your Fonterra payout with smart debt, investment and mortgage strategies. Learn how to turn a one-off payment into long-term financial advantage.

You may be closer to an investment property than you think. Learn how refinancing in 2026 could unlock new opportunities for investors.