Blueprint Finance New Zealand

25/09/2025

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04/09/2025

Seven cuts in twelve months. The RBNZ has taken the Official Cash Rate from 5.25% down to 3.00% - a 2.25% drop since last August.

🤔 Why? Growth has slowed, unemployment is edging higher, and inflation is finally back inside the 1-3% target band. Cutting rates is the RBNZ’s way of keeping the economy moving.

What does this mean for you❓
🏡 First home buyers: Sub-5% 1-year fixes are looking sharp
🔁 Refixers: Short terms = more flexibility as rates shift
🏘 Investors: Structure matters more than ever

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25/08/2025

2 years as Blueprint Finance. 10 years of experience in financial services. 100% gratitude.
Thank you for being part of the Blueprint Finance journey 🎉

An Auckland-based mortgage advisor, offering tailored home loan, refinancing, and investment strategies across NZ. Downloadable spreadsheet calculators, online Agenda Builder or ...

31/07/2025

With Bitcoin hitting new all-time highs in 2025, the most common question we hear is: "Have I missed the boat?" It's easy to look at the charts and feel like the incredible gains are a thing of the past.

In this episode, Daniel and Rory sit down with Paul, the Chief Commercial Officer of Easy Crypto, to tackle this question head-on. They explore why looking at today's price can be misleading and how a simple shift in perspective—from short-term speculation to a long-term strategy—changes everything.

This isn't a conversation about getting rich quick. It's a deep dive into the principles of long-term conviction, the powerful role of Dollar-Cost Averaging (DCA), and how institutional adoption through ETFs and KiwiSaver is creating a brand new chapter for crypto, suggesting the journey is far from over.

In this episode, you’ll discover:
• Why the famous saying, "The best time to buy was five years ago, the second-best time is today," holds true for long-term investors.
• Practical strategies like Dollar-Cost Averaging to start building a position without the stress of trying to time the market perfectly.
•How institutional money via ETFs is fundamentally changing the game and what it means for future growth.
• The powerful lesson from those who thought it was "too late" to buy when Bitcoin first hit $20,000.
• Simple, low-barrier ways to get started, even with as little as $50.

If you've been watching from the sidelines, feeling like you're too late to the party, this episode provides the crucial context and practical steps you need to make an informed decision.

23/07/2025

The best part of this job is seeing people achieve something they never thought possible.

I worked with a couple who thought owning a home was out of reach because of their income. With the right strategy, guidance, and some creative problem-solving, we helped them turn that dream into a reality. Moments like this are why I love what I do.

At Blueprint, we’ve always believed our role goes far beyond securing a mortgage. It’s about making the entire process as smooth and stress-free as possible, so our clients can focus on what really matters—their future.

We started Blueprint because we wanted Kiwis to have advice that looks at the big picture, not just a loan approval. A secure financial foundation for whatever comes next.

To every client who’s placed their trust in us, thank you. It’s a privilege to be part of your journey. And if you’re thinking about your next move, we’d love to help make it a reality too.

All the best,
David

17/07/2025

04/07/2025

The 40-year mortgage. Did that sound like a typo? It wasn't... and in this episode, we all find out if it's a genius wealth-building hack or a dangerous debt trap designed to keep you paying the bank forever.

While not yet in New Zealand, the 40-year mortgage is used in countries like Australia, the UK, and the USA to tackle the housing affordability crisis. In Episode 10 of the Blueprint Finance Podcast, we explore both sides of this controversial product. Is the benefit of a lower monthly payment worth potentially paying hundreds of thousands of dollars more in total interest?
The answer isn't what you'd expect.

We put it all to the test in a head-to-head case study that challenges everything you've been told about paying off debt:

Path A: Pay off a mortgage in 30 years and then invest aggressively for the next 10.
Path B: Take a 40-year loan and invest the small monthly saving from day one.

The result is a must-see for anyone who owns a home or wants to build wealth in New Zealand. Join us as we break down the numbers and find out if this long-term loan is a stroke of genius or a financial trap in disguise.

CHAPTERS:

00:00 - The Next Frontier? Introducing the 40-Year Mortgage
02:37 - A Global Phenomenon: How Other Countries Use Longer Loans
04:48 - The New Zealand Handbrake: Responsible Lending & The 'Exit Strategy'
07:15 - Affordability vs. The True Cost
11:00 - The Case Study: Paying Off Debt vs. Playing the Long Game
23:17 - The "Big If": Why Discipline is Everything
25:40 - Your Home Isn't an ATM: Final Thoughts & Advice

15 years? 30 years? 50 years!!! Book a call https://www.blueprintfinance.co.nz

04/07/2025

Your First Home - Mindset, Myths & Making It Happen!

Feeling stuck on your path to homeownership? Are self-doubt and comparison clouding your vision? This week, Dan and Rory uncover the crucial mindset shifts that transform the "impossible" into your first home.

We bust common myths about affordability and family support, sharing real client success stories that prove you can do it – like the inspiring journey of those guided by our adviser Jack, who now own their dream home.

Beyond the numbers, it's about cultivating belief. We provide actionable strategies across three pillars:

Saving: Practical budgeting and consistent automated savings.
Earning: Exploring income growth from your job to effective side hustles.
Investing: Maximising KiwiSaver and managing its risk for your timeline.
Embrace your unique journey, discard limiting beliefs, and step into the profound satisfaction of owning your first home.

You've got this! Book a call www.blueprintfinance.co.nz

04/07/2025

In Episode 8 of the Blueprint Finance Podcast, we dive deep into a critical question every Kiwi homebuyer should be asking: Whose agent are they anyway? We're joined by Alex Martelli, founder of Martelli Buyer's Agents, a force challenging the traditional, seller-focused real estate agent model still popular in New Zealand.

Recorded in May 2025, Alex pulls back the curtain on the "battle for buyer loyalty." With extensive international experience, she reveals why she returned to NZ to champion the buyer, navigating a system often skewed against them. Is the agent showing you houses truly on your side, or are their loyalties elsewhere? Alex Martelli is here to arm you with the truth.

In this episode, you’ll uncover:

• The often-blurred lines of agent loyalty in NZ and why a true buyer's advocate is a game-changer.
• Alex's journey: from global property markets to pioneering a buyer-first agency against the grain in New Zealand.
• The cultural and regulatory "wars" fought to establish a service that exclusively represents your best interests as a buyer.
• The myth busted: Why dedicated buyer's agents aren't just for the elite – and how they're empowering everyone from first-timers to seasoned investors.
• Insider strategies for the (May 2025) market: how to cut through the noise of high stock, scrutinise new builds, and unearth elusive off-market deals when others can't.
• Negotiation tactics from the trenches: how Alex "locks horns" and uses "silence" to win for her clients.
• Auction room secrets: decoding agent tactics and bidding with a strategy that protects your bottom line, not the seller's.

00:00:26 Introducing Alex Martelli: The Buyer's Advocate in a Seller's World
00:02:39 The Big Question: Why is True Buyer Representation So Rare in NZ?
00:04:12 Battling the System: Regulatory & Cultural Challenges to Putting Buyers First
00:06:01 Conflict of Interest? How Selling Agents "Working With" Buyers Still Serve the Vendor
00:06:56 Buyer's Agent vs. Seller's Agent: Exposing the Critical Differences
00:08:59 Who Really Needs a Buyer's Agent? (The Answer Might Surprise You)
00:10:00 FOMO & Full Budgets: How Buyers Unknowingly Give Away Their Power
00:13:06 Negotiation Warfare: Tactics to Win When Locking Horns
00:15:07 Auckland Market (May 2025): Navigating Record Stock & Dodgy New Builds
00:18:14 The "Black Market" of Property: Finding Off-Market Deals
00:21:06 The Future: Will Buyers Finally Get the Upper Hand in NZ?
00:24:48 Auction Takedown: Strategies to Avoid Emotional Overbids & Agent Traps
00:28:02 The Pre-Auction Ambush: When to Strike Before the Competition
00:30:39 Misled by Listing Agents? Hearing What You Want to Hear vs. Reality
00:32:12 Market Forecast: Where Are Prices Really Heading?

Key Takeaways:

Challenge Allegiances: Question whose interests your agent truly serves. In a transaction, there are two sides – ensure you have dedicated representation.

Arm Yourself with Knowledge: Understand the tactics and market realities that can be used against uninformed buyers.

Level the Playing Field: Discover how a dedicated buyer's agent can shift the power dynamic in your favour, from first viewing to final signature.

Enjoying this? Take the next step with Blueprint Finance: We’ve got the tools, insights, and expert advice to help you take charge of your life plans.

• Subscribe to our newsletter for our spreadsheets: Mortgage Rate Comparison Tool, First Home Buyer Master Sheet, Revolving Credit vs. Savings Calculator.

• Ready for personalised advice? Build your meeting agenda or book a free consultation with our award-winning team at BlueprintFinance.co.nz.

04/07/2025

Need a lawyer who speaks your language and protects your assets? In Episode 7 of the Blueprint Podcast, veteran solicitor Arthur Loo breaks down 30 years of real‑world lessons on wills, trusts, and property deals—from $30 k US foreclosure buys to Auckland’s record‑high auctions.

What you’ll learn
00:00 Why every Kiwi family needs a clear will
05:52 Building a bilingual firm for new‑to‑NZ investors
10:18 Trusts—when they’re gold, when they’re overkill
16:26 Estate pitfalls: blended families & contested wills
21:04 Off‑plan settlements: protecting your deposit in 2025
24:45 Interest‑rate cycles Arthur has survived (and how)
29:41 Growing Loo & Koo from two partners to thirty staff
35:54 Advice for young professionals: work hard, stay warm‑professional

Key takeaways
- Plan - Analyse - Decide: legal structures that age as well as your property.
- Asset protection without the hype: simple wills often beat flashy trusts.
- Cost‑of‑money mindset: why borrowing costs and not headlines truly drive house prices.

Free Tools & Next Steps
Get Blueprint Finance’s free, client‑ready calculators:
- Mortgage Rate Comparison Tool
- Property Investment Forecaster
- Revolving Credit vs Savings Calculator

Book a no‑cost strategy call or build your own meeting agenda at BlueprintFinance.co.nz.

04/07/2025

Is your insurance policy actually working for you? In this episode of The Blueprint Finance Podcast, Rory and Dan break down a real-life case study where a strategic insurance review saved a client $9,000 in premiums—without sacrificing essential coverage.

Inside this episode:
✔️ The art of balancing protection and cost in insurance.
✔️ How reviewing policies every 5-6 years can prevent overpaying.
✔️ The three key areas of personal risk: medical, income, and life cover.
✔️ Why stepped vs. level premiums matter for long-term financial security.
✔️ How this client’s 18% insurance expense was reduced to just 4% of gross income.

Thinking about an insurance review? Your policy should evolve as your life and finances change.

Free Tools & Expert Insights
✔️ Mortgage Rate Comparison Tool
✔️ Property Investment Comparison Calculator
✔️ Revolving Credit vs. Savings Calculator

Want better insurance and mortgages?
Book a free "strategy" session with our award-winning team at BlueprintFinance.co.nz

28/03/2025

“A free society is a creative society.” — David Seymour

In this thought-provoking episode, we’re joined by ACT Party Leader and MP David Seymour for a wide-ranging, no-holds-barred conversation about the future of New Zealand. From housing and KiwiSaver to red tape, small business, and the elusive promise of freedom, David brings his signature contrarian perspective to the big financial and social questions affecting Kiwis today.

INSIDE EPISODE SIX
- Why NZ’s housing crisis is a symptom of deeper structural issues—and how rewriting the rules could reignite opportunity.
- A contrarian take on KiwiSaver—and why paying off your mortgage might be a better bet than locking your money away.
- The case for radical simplification in small business law, health and safety, and employment reform.
- Why David sees freedom as the foundation for a prosperous society, not just a political buzzword.
- How red tape kills innovation—and what happens when we trust people instead of regulating everything.
- The hidden cost of brain drain and the $60B question: how do we keep talent in New Zealand?

Plus: insights on the RMA overhaul, KiwiBank’s competitive potential, NZ’s startup culture, and why “letting go of control” might just be the best thing this country can do.

Love this episode? Build your own future with tools designed for Kiwis:
- Mortgage Rate Comparison Tool
- Property Investment Comparison Calculator
- Revolving Credit vs. Savings Calculator

Book your personalised mortgage or financial review session at BlueprintFinance.co.nz

For more information about topics discussed:
https://www.beehive.govt.nz/portfolio/nationalactnew-zealand-first-coalition-government-2023-2026/rma-reform
https://thespinoff.co.nz/the-bulletin/25-03-2025/government-unveils-sweeping-rma-overhaul-with-focus-on-property-rights
https://www.1news.co.nz/2025/03/24/govt-announces-replacement-for-broken-resource-management-system/
https://www.motu.nz/our-research/wellbeing-and-macroeconomics/fiscal-issues/mandatory-retirement-income-schemes-saving-incentives-and-kiwisaver
https://www.sciencedirect.com/science/article/abs/pii/S0167268124002427
https://retirement.govt.nz/news/latest-news/who-does-it-better-comparing-the-australian-and-new-zealand-retirement-income-systems