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Our Latest Articles

Our Latest Articles

There are many valid reasons why you might be looking to pull some equity out of your property to use elsewhere. This is commonly called a ‘top up’ on your…

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No one likes being rejected. Some of us still blush when we remember being turned down by Patrick Summers at the Year 9 dance. That’s just for instance. We’re not…

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This article is current as of 1 September 2021 It’s Covid-19 lockdown déjà vu for New Zealand. While most of the country is now at level 3 Auckland will remain…

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new build or existing home

There’s a lot to weigh up between a new build or an existing house. Some of it is a personal preference; the beauty of a stained glass window in a…

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Buying a house with Bitcoin

In no way does this article condone the investment in Bitcoin.  Invest to your personal level of risk tolerance and always seek advice before engaging in any form of speculative…

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Interest Only Mortgages

This article is current as at 1 September 2021. Interest-only mortgages can be the right strategy in certain circumstances. Unfortunately freeing up money in order to go on holiday isn’t…

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How to correctly export your bank statements

Your mortgage adviser will need to check your bank statements and include them in the mortgage application.  Below are the instructions for getting the correct versions of your bank statements.…

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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…

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Who is your property team?

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…

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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.…

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2022 Interest Rate Predictions

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…

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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…

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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…

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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…

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How Do I Calculate Yield?

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…

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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…

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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…

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Better Budget - All about your heat pump

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.…

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