June Newsletter | Smart, and Ready to Grow

🚀 Kia ora, trendsetters in finance,

Rates are dipping. The Budget’s buzzing. And if you’re paying attention, it’s the perfect time to make moves – smart, stylish ones.

Whether you’re dreaming of your first home, levelling up your investments, or just trying to stay one step ahead of IRD’s laser-focused compliance squad… I’ve got your back.

Let’s unpack what’s hot, and what’s actually worth acting on.

💃OCR Drops: A Stylish Slide Into Lower Rates

OCR: 3.25% – yes, it dropped again
The Reserve Bank’s made borrowing cheaper (again), but the banks? They’re playing coy. No one passed on the full drop, so it’s not just about lower rates – it’s about knowing where the value hides.

👉 Curious what you could actually borrow right now – or how to refinance with flair? Let’s crunch those numbers together.

💰Budget 2025: for the Clever, the Bold & the financially Fabulous
This year’s Budget didn’t throw confetti – but it did lay down some smart moves for the financially chic.

Highlights:

• 20% upfront tax deduction on new gear (tech, tools, capital assets)
• KiwiSaver contributions rising – better long-term glam for your future self
• IRD gets $35M in extra budget – so yes, compliance is the new black

👉 If you run a business or invest in property, this Budget says one thing: dress smart, act smarter.

✨Your June Glow-Up Plan

Want to look good and make smart moves?

• Check your borrowing power – rates are shifting weekly
• Upgrade strategically – that 20% deduction could be your secret weapon
• Keep cash flow smooth – low rates ≠ party time
• Stay compliant – IRD’s tech game is strong

👉 Not sure which of these is for you? Let’s build your personalised, stylish money plan in just 15 minutes.

👫Client Spotlight: Two Incomes, One Smart Game Plan

Say hi to Sarah & James – power couple in their early 30s, earning $250K+, planning their first investment property by mid-2026.

• We worked together to:
• Build a 12-month investment roadmap
• Review existing insurance + assets
• Tailor a lending plan that fits their life and ambition

👉 Because smart wealth doesn’t follow templates – it follows a tailored plan.

🏦Lending Lab: Banks Are Doing the Slow Dance

Post-OCR cut, here’s the skinny as of today:(subject to change)

• Fixed rates under 5% (1-3 year terms looking sharp …)
• Fixed 6 month: 5.29% pa
• Fixed 12 months: 4.89%
• Fixed 18 months: 4.85%
• Fixed 24 months: 4.92%
• Fixed 36 months: 4.99%

👉 Banks aren’t passing the full discount, so it’s about picking your partner wisely. Ready to rate-hop with confidence? Let’s chat.

🏡Young Pro Corner: First-Home Vibes

Thinking of entering the market but unsure if now’s your moment?

• Lower rates = more access
• We’ll show you what’s doable, not just what’s dreamable

👉 Start planning now, buy smart later – no FOMO, just facts.

🚦Tax Talk: Don’t Get Caught in the Wardrobe Malfunction

We all know the stereotypes – tax evasion’s just for the ultra-rich, right? Wrong. Plenty of everyday Kiwis trip up on:

❌ Undeclared crypto, rental income, side hustles
❌ Dodgy deductions or fuzzy business expenses

IRD’s armed with AI and a bigger budget – so clean up your financial closet now.

👉 Tax planning = chic. Tax evasion = messy. Ask your accountant if you’re unsure.

As always, we are here to support, willing to listen to your financial situation, and work out potential option(s) with you together!

Disclaimer: We recommend that you seek personalized professional advice from your trusted adviser before taking any action, as each applicant’s situation can vary. The above content is only general commentary.