Ash Horton - Alternate Finance

Other Posts by Ash Horton

Compare Finance Companies in NZ

October 22, 2026

Compare Finance Companies in NZ

Compare finance companies in NZ on smaller loans. Rates and fees for five lenders, from their own websites, and what to check before you apply.

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What is a good credit score in NZ, and what if yours isn’t?

August 27, 2026

What is a good credit score in NZ, and what if yours isn’t?

What counts as a good credit score in NZ, how to check yours free with Centrix, Equifax and illion, and how to improve it. Plain answers, no judgement.

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Does Applying for a Loan Affect Your Credit Score in NZ?

Does Applying for a Loan Affect Your Credit Score in NZ?

Yes, applying for a loan can affect your credit score in New Zealand. When you make a…

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Overdrafts vs Personal Loans, Which Is Better for You in New Zealand?

Overdrafts vs Personal Loans, Which Is Better for You in New Zealand?

When your business or personal finances face timing gaps or unexpected costs, you might consider using a…

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Credit Cards vs Personal Loans – Which Is Better in New Zealand?

February 23, 2026

Credit Cards vs Personal Loans – Which Is Better in New Zealand?

If you need to borrow money, it’s common to weigh up using a credit card versus taking…

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Buy Now, Pay Later (BNPL) vs Personal Loans – Which Is Better?

February 10, 2026

Buy Now, Pay Later (BNPL) vs Personal Loans – Which Is Better?

When you need to spread the cost of a purchase, Buy Now, Pay Later (BNPL) services can…

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Financial Literacy Games that Help Students Learn About Money

November 3, 2025

Financial Literacy Games that Help Students Learn About Money

How do most kids learn to excel at important things in life? Education and practice are the…

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Average Cost for a Holiday to Popular Vacation Spots for Kiwis in 2025

October 21, 2025

Average Cost for a Holiday to Popular Vacation Spots for Kiwis in 2025

The holiday season brings excitement, but expenses can spiral fast. Between flights, accommodation, activities, and unexpected costs,…

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Consumer Protection and the Responsible Lending Code of New Zealand

August 30, 2025

Consumer Protection and the Responsible Lending Code of New Zealand

Back in the day, there was no such thing as the responsible lending code of New Zealand….

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House Prices in New Zealand and Mortgage Rates

House Prices in New Zealand and Mortgage Rates

Average house prices in New Zealand from the 80s & why house prices fell in 2008. Learn how the 80s shaped the housing market we have in 2025.

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Debt Consolidation for Credit Cards in New Zealand — How It Actually Works

Debt Consolidation for Credit Cards in New Zealand — How It Actually Works

Debt consolidation for credit cards is one of the most common reasons Kiwis come to us. You’ve…

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Kiwi’s Treasure Chest: Starting Your Emergency Fund

Kiwi’s Treasure Chest: Starting Your Emergency Fund

Introduction: Building An Emergency Fund That Won’t Let You Sink! Hey there, Kiwi crew! Are you geared…

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Complete Guide to Building Credit After Migrating to New Zealand

Complete Guide to Building Credit After Migrating to New Zealand

Many people migrate to New Zealand, and while they can get jobs and bank accounts, many struggle…

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Understanding Short-Term Loans & If They are the Right Option for You?

January 27, 2025

Understanding Short-Term Loans & If They are the Right Option for You?

In Ne Zealand’s fast-paced financial landscape, short-term loans have emerged as a popular option for individuals seeking…

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How to buy indexes in New Zealand without paying huge ETF Fees

October 15, 2024

How to buy indexes in New Zealand without paying huge ETF Fees

The scope of investing or trading in indices funds is increasing nowadays. And why not, indices are…

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Personal Budgeting Practical Steps to Achieve Financial Independence

August 29, 2024

Personal Budgeting Practical Steps to Achieve Financial Independence

A budget basically acts as a thorough ledger tracking your income distribution—more especially, the money you save…

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Tackling Debt with the Avalanche Method: A Guide for Kiwis

Tackling Debt with the Avalanche Method: A Guide for Kiwis

Paying off debt is a life lesson that all Kiwis should learn. One extremely effective strategy is…

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Budgeting in NZ: A 3-Step Guide That Actually Works

February 15, 2024

Budgeting in NZ: A 3-Step Guide That Actually Works

Budgeting in NZ doesn’t need to be complicated, but it does need to be honest. Most Kiwis…

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Vanlife – Embracing the Open Road in New Zealand!

January 23, 2024

Vanlife – Embracing the Open Road in New Zealand!

There’s only one way to travel around NZ and that’s in a camper ! We’re here to…

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2024 Financial Game Plan: A Kiwis Guide to Setting and Sticking to Money Goals Next Year

November 22, 2023

2024 Financial Game Plan: A Kiwis Guide to Setting and Sticking to Money Goals Next Year

Introduction: Crafting Your 2024 Financial Game Plan Kia ora, fellow Kiwis! As we bid farewell to 2023,…

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Tackling Christmas Debt: A 5 Min Guide On How To Use Layby and Afterpay To Stay Out Of Credit Card Debt for Kiwi’s

October 25, 2023

Tackling Christmas Debt: A 5 Min Guide On How To Use Layby and Afterpay To Stay Out Of Credit Card Debt for Kiwi’s

Introduction: The Kiwi Christmas Spending Dilemma Believe it or not, Xmas is nearly here….again! It’s that time…

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How to Pay Off Debt Faster: Repay Debt With These Strategies

September 14, 2023

How to Pay Off Debt Faster: Repay Debt With These Strategies

Kia ora, New Zealand! How to pay off debt faster and how to get out of debt…

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Unlocking The Advantages of Refinancing Your Loan: 5 Minute Guide

August 14, 2023

Unlocking The Advantages of Refinancing Your Loan: 5 Minute Guide

Introduction: Understanding Why It Is Worth Refinancing For A Better Deal! Ever felt burdened by your loan?…

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How To Pay Off Mortgages Fast: 4min Guide For Kiwis

How To Pay Off Mortgages Fast: 4min Guide For Kiwis

Introduction: A Kiwi’s Roadmap To Pay Off Mortgages Faster! If you’re here, you’re probably wondering things like…

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No Credit Check Loans – Are They Legit in New Zealand?

No Credit Check Loans – Are They Legit in New Zealand?

Introduction: What are No Credit Check Loans? When you’re in a tight spot financially, we get it….

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7 Ways to Avoid Getting Trapped in a Debt Cycle

7 Ways to Avoid Getting Trapped in a Debt Cycle

Kia ora, folks! Struggling with debt can be tough, and it’s not uncommon to find yourself in…

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What to Do if You Can’t Make Loan Payments on Time

What to Do if You Can’t Make Loan Payments on Time

If you’re struggling to make loan payments on time, you’re not alone. In New Zealand, life can…

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Securing Funding for Your Construction Project – Your 4 Minute Guide

Securing Funding for Your Construction Project – Your 4 Minute Guide

Are you planning to embark on a construction project, but struggling to understand how to secure the…

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Unlocking The Potential Of Business Finance: A Guide To Available Options

February 13, 2023

Unlocking The Potential Of Business Finance: A Guide To Available Options

Whether you’re operating a small New Zealand business or a large corporation, finance is an integral part…

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100+ Afterpay NZ Shops That Let You Buy Now & Pay Later

January 19, 2023

100+ Afterpay NZ Shops That Let You Buy Now & Pay Later

Shopping can be expensive and financially draining. But what if you could buy the things you need…

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How is interest calculated on a loan?

December 19, 2022

How is interest calculated on a loan?

In this blog article, we’re going to take a look at the math behind interest and how…

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How To Make Money Online in New Zealand (An In-Depth Guide)

November 18, 2022

How To Make Money Online in New Zealand (An In-Depth Guide)

Picture this, while you’re sleeping, someone in another time zone is buying your custom t-shirt design. Meanwhile,…

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3 Great techniques for saving money in business💰

October 31, 2022

3 Great techniques for saving money in business💰

Those who own a business should constantly be looking at how to save money 💸, without creating…

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Reduce Debt On Your Personal Expenses – 7 Simple Tips

October 20, 2022

Reduce Debt On Your Personal Expenses – 7 Simple Tips

Reduce debt now and as the economy gets tough, you’ll be in a much better position. Managing…

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What is bridge financing & how it works – 4 min guide.

September 30, 2022

What is bridge financing & how it works – 4 min guide.

You will no doubt have come across the term bridge financing which can be used in many…

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What Is Compound Interest? The 6 Minute Guide

September 22, 2022

What Is Compound Interest? The 6 Minute Guide

What is compound interest? The idea of compounding interest might sound complicated, but it’s actually easy to…

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NZ’s Best Non-Bank Lenders

NZ’s Best Non-Bank Lenders

Recently, we have seen the emergence of a new subsector of the finance industry, with particular expertise…

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Short Term Property finance In New Zealand

Short Term Property finance In New Zealand

The majority of us have that dream of finding the perfect property, that forever family home, the…

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14 FAQs on NZ Business Loans and Business Finance

14 FAQs on NZ Business Loans and Business Finance

Need business finance to grow your Kiwi venture? You’re not alone. Thousands of New Zealand business owners…

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How Much Deposit Do You Need to Buy a House in New Zealand?

How Much Deposit Do You Need to Buy a House in New Zealand?

Find out how much deposit you need to buy a house in New Zealand, including LVR rules, Kāinga Ora options, and how to bridge a deposit shortfall.

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