Avanti Blog

As part of our promise to be relentlessly helpful, we’ve created the Avanti Blog. It’s the go-to place for general tips and advice, interesting articles and blog posts.

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Why "is it cheaper to rent...

What’s the deal with home equity? And why do homeowners and lenders think it’s so important? Discover the answers and power of equity in this guide.

What are your options for financing...

Bank loans, overdrafts, credit cards and top-ups: there are heaps of ways to buy a car in New Zealand, but which is right for you?


Can you get a car loan...

Need a loan for a private car sale? You can make it happen - but there are a few differences you need to know first.

How can a credit score affect...

A good credit score can make all the difference to a car loan application. Here’s what you need to know about yours.


Can you sell a financed vehicle?

There are ways of selling a financed car, but you have to go through a few steps first. Here’s how.

Vehicle lease versus loan: what's right...

Buying a car in New Zealand isn’t your only option. But is leasing a better deal? What’s the difference?


7 of the best free budgeting...

Want a budgeting tool that actually works properly in New Zealand? Look no further.

Personal Loan Guarantors 101

What’s a guarantor, and why might you need one for your personal loan?


Say goodbye to damp windows this...

Don’t put up with wet windows this winter. Fight back against condensation with our room-by-room guide.

5 cheap (or free) ways to...

Staying warm in winter just got cheaper - and easier - with these 5 simple ways to keep the cold out and the warm in.


What is the cheapest way to...

Looking to spend less but stay warm? Read our guide to figuring out the cheapest way to heat your home.

How to reduce your power bill

Save on your power bills back under control with savings tips on 7 of the most power-hungry appliances.


Everything you need to know about...

Thinking of applying for a mortgage deferral or holiday? This is everything you need to know first.

What do the LVR removals really...

The LVRs have been axed, but what does that mean for New Zealand’s first home buyers?

Joint personal loans: what you need...

Thinking of getting a loan with someone else? Here’s what you need to know about joint personal loans.

Should you go to a non-bank...

If the bank has said no, who should you turn to? We take a look at the benefits of heading to a non-bank lender.

Personal Loan vs Credit Card

Credits cards and personal loans both get you extra cash when you need it, but which is ‘better’? The answer might be less obvious than you think.

What is an unsecured personal loan?

Want to know more about unsecured personal loans? Find out what you need to know about security, the pros and cons of an unsecured loan and how to apply.

How to deal with COVID-19 money...

If the coronavirus has taken a hit on your finances, these are the things that can provide some relief.

3 tips to make your budget...

Make your money last till your next payday.

13 free tools to help you...

Working remotely is great. Every day is casual Friday, the commute is non-existent and don’t get us started on the convenience factor.

8 free date night ideas for...

Stuck for date night ideas while you’re stuck indoors? Try one of these 8 free options.

8 free activities for bored kids...

“But I’m booored”: the cry that puts the fear into any parent with a child that’s stuck indoors. Keep the tamariki entertained with these 8 free activities available with just...

Can you still get a first...

If your credit score is stopping you from getting your first home loan, it can feel like you’ll never find a place of your own in New Zealand.

How to get a first home...

If you’re struggling to put together the full 20 per cent deposit required for a first home loan, these are the alternatives open to you.

What's a good price for your...

How much should your first home really be? We break it down in this quick overview.

Are you asking yourself these 3...

Thinking of buying your first home? Make sure you ask yourself these three important questions first.

Personal Loan Guide

Everything you need to know about finding, applying for and managing a personal loan.

Don’t make this one debt consolidation...

Break fees can break your debt consolidation budget! Avoid making this common mistake with this quick guide.

How families can thrive on a...

There are over 200,000 single-parent families in New Zealand, and many more with a stay-at-home parent – plenty are living on a single income! Whether this is just for now...

Love languages by the numbers: inexpensive...

Speak your partner’s love language fluently this Valentine’s Day with this guide that emphasises love, not money.

8 steps to make a yearly...

It pays to have a yearly budget - literally. This is our guide to making an effective one in 8 simple steps.

The connection between mental health and...

The relationship between mental health and finances.

5 ways to save on NZ...

One of the most significant costs of sending kids back to school is their uniform - especially at the start of the new year.

6 key categories missing from your...

Even the most experienced budgeter misses out on these 6 categories! Don’t make the same mistake.

Is your budget missing discretionary spending?

Building a budget or revamping an existing one? Better make sure you include discretionary spending. Here’s what you need to know.

Christmas on a Budget: Dealing with...

Christmas is over and you’re left in the aftermath of a hurricane of wrapping paper, ribbons, baubles and leftovers - and perhaps a little dread at the idea of checking...

Christmas on a Budget: Food

Tasty and thrifty: every cooks' dream. In this article, we’re showing you how to make delicious Christmas food - on a budget.

Christmas on a Budget: Activities

Christmas is a time for family and friends to get together - but how do you manage that on a budget? Here’s our complete guide.

Christmas on a Budget: Decorations

Think beyond the pine this year with our guide to transforming your home for Christmas on a budget.

Christmas on a Budget: Gifts

Doing Christmas on a budget brings you back to the real reason for the season: friends, family and good times. We’re showing you how.

What's a good credit score and...

Got a question about your credit score? We’ve got the answer.

What is debt consolidation?

And is it the right choice for you?

Fixed vs floating interest: what's the...

Is it better to be fixed or floating? Our CEO, Mark Mountcastle, explains.

How to get a personal loan...

If you’re self-employed or a small business owner in New Zealand, getting a loan can be challenging - but not impossible. Avanti Finance Head of Commercial Robin Hopkins explains.

Should you get a personal loan...

Go direct or go to a broker. Those are your two basic options when you’re looking for a loan. But what’s the difference, and why does it matter?

4 tips for cheaper, healthier grocery...

Maintaining a balance between healthy nutrition and a healthy bank balance is a challenge, but it’s not impossible if you know the right tricks.

How can I pay less interest?

If you've ever wondered “how can I pay less interest?”, then read this article.

Enjoying summer on a budget

Here are some fun activities you can do with your children this summer that won’t break the bank.

This Christmas, give time

With the Christmas festive season soon to be upon us, it’s a good time to think about Presents vs Presence.

How to avoid debt that doesn't...

Sometimes debt is unavoidable, but occasionally we take on debt even when we really shouldn't.