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Newsletter

November 2021

Welcome to our first Advice Knight newsletter. It’s been a busy year setting up the new business and navigating significant changes facing the industry in recent months and I’m proud of what the team has delivered through 2021. Thank you to our wonderful clients who have supported our business and trusted us to deliver on their financial goals. We hope you enjoy this overview and we look forward to working with you further in the years to come.

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Click on the link to download our November 2021 Newsletter, or read the articles below.

The Rapid Escalation of Interest Rates

The big story in recent months for existing mortgage holders has been the rapid escalation of interest rates. The past 6 months has seen the most rapid rise in interest rates in over 15 years leaving some tough decisions when current fixed rates do roll. Do I go the cheaper 12m option or pay a premium to book longer term certainty?

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Big Changes in Bank Assessment Criteria

Lenders are applying a lot more scrutiny to applications.

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Investment Corner

If you’re looking to purchase an investment property do keep in mind the new Reserve Bank requirement which now requires a 40% deposit for investment property purchases. There is however an exemption for New Build Homes which we are seeing savvy investors flock towards.

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Product Spotlight

Personal Insurances

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IS IT TIME TO REVIEW YOUR PERSONAL INSURANCES?

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Meet the team

Malcolm Knight

Malcolm Knight

Director, Financial Adviser
(FSP #434146)

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021 024 28000 

malcolm@adviceknight.co.nz

Anthony Sage

Anthony Sage

Financial Adviser
(FSP #FSP1002725)

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022 651 7802

anthony@adviceknight.co.nz

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Katy Dilks

Lending Support Manager

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katy@adviceknight.co.nz

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Lisette Knight

Marketing / Operations Manager

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lisette@adviceknight.co.nz

Contact
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Cristy Williamson

Adviser Support

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cristy@adviceknight.co.nz

Contact

Final Word

With the latest inflation figures sitting at 4.9% and some economists picking these to top 5% in 2022. I’m sure we are all noticing a rise in the costs of living. Sharp rises in fuel, groceries, shipping. Household budgets are often feeling strained and people are looking where they can trim costs. Just remember:

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Often the best things in life are free – enjoy them!

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Malcolm Knight

Director, Financial Adviser

team@adviceknight.co.nz

02102428000

Main Office: Retail Unit 1, Sentinel Building, 3-5 Northcroft Street, Takapuna

Second Office: 21 Empire Road, Devonport, Auckland

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©2025 by Advice Knight Ltd.

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