PremiumOpinionOpinion byNadine HigginsThe Prosperity Project host·NZ Herald·20 Jun, 2026 09:00 PM6 mins to readNadine Higgins is the host of NZME's personal finance podcast The Prosperity Project. She was formerly a financial journalist and broadcaster.Flood damage in the Esk Valley in Hawke's Bay. Photo: RNZ / Tess BruntonBuying a home is the biggest financial commitment most of us will ever make, so it’s always been one that requires doing your homework – but what that homework looks like is getting more complicated.
When I first bought a house 13 years ago, I got the LIM, a lawyer,
