Making Your Next Move Simple and Strategic
Next Home Buyers
Upgrading, downsizing, or building your next home often involves more moving parts than your first purchase. At Lancewood, we help you structure the transition carefully, whether you’re buying before selling, building new, or unlocking equity for your next property.
Our goal is to make your next move financially sound, stress-free, and tailored to your lifestyle.
Being conservative in retirement
By developing a retirement income plan you can optimise your income in retirement.
If you are too conservative in your spending at the start of retirement, you are highly likely to discover in 10-15 years into retirement that you are ahead of target and able to increase spending. Just at the time that you are physically and perhaps psychologically least likely to want to do so.
The ability to adjust spending dynamically gives greater scope to spend more in your early years of retirement. However, taking more risk with spending requires a calculated basis to assess the chance that your funds may run out. A process for monitoring and adjusting spending is paramount to a finically secure retirement.
To determine the level of retirement income that you could achieve we calculate the probability of your funds running out at a projected life expectancy age. Taking this into account, we measure historical market movements which we test this through a number of Monte Carlo Calculations.
Your New Zealand Superannuation is broadly inflation indexed.
By not inflating the drawings from your investments you are able to spend more in the earlier years. This is when you have the time for travel, hobbies, and newfound opportunities to spend money on.
In the middle to late retirement years, spending may slow. Houses sometimes get downsized, travel may lessen, and the trappings of consumerism lose some of their appeal as some retirees spend less time accumulating possessions and may instead feel a calling towards simplification. As your spending needs drop inflation will effectively decrease the purchasing power of the drawings from your investments.
This is in-line with US studies which show that the income needs of retirees drops by around 1-3%pa during their retirement years. The inflation target set by the New Zealand Reserve Bank is also 1-3%. This is our rationale for not inflation adjusting your portfolio drawings.
Having a solid retirement plan is a core part of feeling financially secure.
We start by analysing your existing loan, equity position, and goals. Understanding where you stand helps us map out your next steps clearly.
01. Review Your Current Mortgage
We’ll help you decide whether to buy before you sell, sell before you buy, or build new. Each path has advantages and trade-offs. We’ll explain them and guide you to the right structure.
02. Plan Your Move
We work with all major New Zealand banks and a range of specialist lenders. We’ll find the most suitable lending solution for your next stage, including options for bridging finance or top-ups.
03. Compare Lending Options
We coordinate with your solicitor, real estate agent, and lender to ensure smooth timing and settlement, no matter how complex the transaction.
04. Manage the Process
After your move, we stay connected. We’ll review your structure, monitor market changes, and help you optimise your loan over time.
05. Ongoing Advice
How We Help Next Home Buyers
How we help next home buyers
01
Review Your Current Mortgage
We start by analysing your existing loan, equity position, and goals. Understanding where you stand helps us map out your next steps clearly.
02
Plan Your Move
We’ll help you decide whether to buy before you sell, sell before you buy, or build new. Each path has advantages and trade-offs. We’ll explain them and guide you to the right structure.
03
Compare Lending Options
We work with all major New Zealand banks and a range of specialist lenders. We’ll find the most suitable lending solution for your next stage, including options for bridging finance or top-ups.
04
Manage the Process
We coordinate with your solicitor, real estate agent, and lender to ensure smooth timing and settlement, no matter how complex the transaction.
05
Ongoing Advice
After your move, we stay connected. We’ll review your structure, monitor market changes, and help you optimise your loan over time.
When You Might Need Our Help
There are moments in the moving process when expert guidance makes things easier. Whether you’re navigating a buy-before-you-sell situation, weighing up your lending capacity, or reassessing your structure, we can help you make well-informed decisions.
We’ll tailor the advice and structure to fit your specific goals.
Buying before selling (bridging finance)
Selling before buying (pre-sale approval and timing)
Building or renovating your next home
Releasing equity to invest or upgrade
Reviewing loan structure for new income or family circumstances
Business owners
It is normal for business owners to overvalue their businesses. Formulas and assumptions vary and ultimately a business is only worth what a buyer is prepared to pay for it. This in one of the reasons that so many business are liquidated rather than sold in New Zealand.
Business owners often need to diversify and save for their retirement in other areas outside their business. This is especially true in New Zealand, where many business owners own property as their primary income. As such business owners should largely hold investments that compliment New Zealand property and sufficiently diversify their investments.
The average Kiwi will spend 40,000 hours working towards accumulating their retirement needs. The least they could do is spend an hour discussing how to protect these needs.
All your lending options in one place
We compare major banks and specialist lenders for you, making the process simple
Why Lancewood Mortgages?
Independent advice, always on your side
We’re not tied to any one bank, so you benefit from unbiased options and our best-fit recommendation for you.
Access to New Zealand’s full lender market
We compare all major banks plus specialist lenders, so you get more choice, better options and fewer surprises.
Local expertise, national reach
Based in Dunedin, we understand the local market and settlement challenges, and we work nationwide to help you wherever you’re buying.
No cost to you, the bank pays us.
Our mortgage advice is free for almost all clients. We are paid by the lender when your loan settles, which means you get expert guidance at no extra cost and still receive fully independent recommendations tailored to your situation.
