The biggest investment that most Kiwi’s will make in their lives is purchasing their first home.

It comes with its own set of risks as we have all seen in the falling house prices and increased interest rates over the last few years.

Most of us are happy to take those risks on, as we all want a place to call our own and something to pass on to future generations

You may be aware that the New Zealand Reserve bank has changed the rules for lending on investment properties.