For many of us, the game Monopoly informs our earliest understanding of how investment property works. And so we are given to believe that it’s fairly straightforward to grow from…
Surrounding yourself with property experts is not just a good idea; it’s absolutely necessary. And while it sounds expensive, you don’t need to be rolling in cash. In fact, in…
When you think about mortgage broking (okay, you probably don’t think about mortgage broking but stay with us) you probably think about it in the context of buying a house.…
It’s the time of the year when the Mortgage Lab buffs up our Crystal Ball, gazes into the infinitely complicated world of economics, and comes up with sufficiently generic interest…
Why do mortgages and insurance go hand in hand? It’s likely that buying your first house will be your first big financial commitment. You may have never considered life, health…
Buying your first house is quite a linear process, you get pre-approval, you buy a house. When it comes time to sell your home and buy a new one, the…
On 16 June 2021, the Government announced that the Reserve Bank has been given the authority to use debt-to-income lending restrictions as another tool in the toolbox to help settle…
When you’re looking for an investment property, you are often either looking for capital growth or yield. Yield is the income you receive in rent, ideally giving you a positive…
Living for the moment. Carefree long wavy hair and lots of paisley clothes. Sounds blissful, but in reality you might feel better having read the menu online before going to…
So you have a mortgage account about to mature and are looking at re-fixing your interest rate. Given that rates seem to be just getting lower and lower, you may…
Heat pumps are great. They are efficient and quick to work. In fact, GenLess says that a heat pump is the most energy-efficient way of using electricity to heat your home.…
Our childhoods have betrayed us. Property investment is not as easy as rolling a four to land on Mayfair, paying ￡400 then sitting back to wait for someone to land…
If you’ve ever watched one of the Mortgage Lab’s webinars or Facebook livestreams, you will most likely have heard us rave about this app of the month. It’s one of…
Fixing/refixing your mortgage isn’t as exciting as buying a new house. Or for that matter, as exciting as getting your favourite brand of laundry detergent. But it is an important…
Debt can be a bit of a scary word, but don’t worry, this is a safe space! This article covers what it is, how it affects your mortgage application and…
On 23 March the government announced policy changes to the rules governing the property market. The intention behind these new rules is to reduce access to finance for property investors…
Divorce is usually an incredibly stressful, time consuming and brain draining process. Conversations over dividing the kitchenware can be as tense as a peace treaty negotiation – yes, who gets…
Previously, we’ve looked at the difference between First Home Grants and KiwiSaver. Another often confused, pairing is the First Home Loan (previously known as the Welcome Home Loan) facility and…