Our Latest Articles

All About ConveyancingWhen you’re buying a house, there are a lot of things to think about.  One of the steps that is often a mystery for our clients is conveyancing; ie; what. Read more...
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Ready To Buy: 3 Things First Home Buyers Can Do TodayPurchasing your first home can be confusing.  The key to being ready to buy is to be organised.  Here are 3 things that first home buyers can do today to. Read more...
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Predictions for 2018It’s the time of the year when we buff up our Crystal Ball, gaze into the complicated world of economics and finance and come up with sufficiently generic forecasts/predictions to. Read more...
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LVR Changes Are Being ImplementedMainstream banks have started to respond to the LVR (Loan to Value Ratio) restrictions following the Reserve Bank’s announcement on November 29th 2017. LVR on Investment properties Most major banks. Read more...
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Purchasing at Auction – A Step By Step GuideIt often feels like you’re stumbling in the dark when you’re buying your first home.  So we’ve compiled a list of steps you are likely to go through in your. Read more...
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Mortgage Deposit: How Much Do You Need To Buy Your First Home?If you have less than 20% deposit, you are referred to (by the banks) as a Low Equity (or Deposit) Borrower.  You are required to meet a different set of. Read more...
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Welcome Home Loan vs HomeStart GrantPreviously, we’ve looked at the difference between HomeStart Grants and KiwiSaver.  Another, often confused, pairing is the Welcome Home Loan facility and the HomeStart Grant.  They are both run by. Read more...
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Calculating The Interest On Your Progress-Payment ConstructionCalculating the amount of interest expected in a progress-payment contract on a newly built house can sometimes seem daunting.  In this article, we walk you through some easy calculations. Recently. Read more...
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Your Student Loan and How It Affects Your MortgageFirst home buyers are often nervous about the size of their Student Loan and how it will affect their chance of getting a mortgage.  But how much does it really. Read more...
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App of the month – PocketsmithIf you’ve ever been to one of The Mortgage Lab’s seminars, you will most likely have heard us rave about the app of the month.  It’s one of our favourites. Read more...
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Construction Mortgages – Turn-Key vs Progress PaymentWhile the Reserve Bank has tried to make finance more difficult in the past 6 months, they have also tried to encourage mortgage lending on newly constructed properties.  In other. Read more...
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Mortgagee Sales – What To Look Out ForProperty prices have increased significantly over the past few years.  It can be tempting for buyers to be on the hunt for a bargain.  For most buyers, nothing says “desperate. Read more...
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The War Against ScamsSuccessfully getting a mortgage involves 2 key components: Income and Deposit.  The desire to increase your deposit can be overwhelming and can lead to decisions we wouldn’t normally make.  Decisions. Read more...
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HomeStart Grants and KiwiSaverFirst home buyers can often get tangled up in the pile of new concepts to learn.  In this article, we explore the basics of withdrawing your KiwiSaver and meeting the. Read more...
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App of the month – Sun SeekerThis month’s app that we love is called Sun Seeker.  It is immensely useful and a very simple concept. With the world just waking up to Augmented Reality, this app. Read more...
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The One Bank Trap and The Several Bank NightmareA common phrase in mortgage world is the “one bank trap”. It’s when you have all your lending with one bank which gives the policy makers at the bank all. Read more...
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Small Steps – Credit ReportIf you have ever tried to tidy up your financial affairs, it can be overwhelming to try and do everything at once.  Like most big projects, the best way to. Read more...
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Transfer Your Aussie Super to KiwiSaverIt’s estimated that there is ~$5 billion of Kiwi’s funds ‘lost’ in Aussie Super funds. This is usually because that NZer was working in Australia, contributing to a Super Fund. Read more...
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September 2017 OCR announcementBelieve it or not, things are going well in NZ and nothing confirms that more than the often-ignored economic-thermometer that is the Official Cash Rate. I have always viewed the. Read more...
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Time to get your Accounts doneIf you happen to be a salary earner, proving your income is relatively easy.  As long as your Employer issues decent quality Payslips, you can provide the 3 most recent. Read more...
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10 Things Homeowners Should Do Annually, But Don’tThe best thing about owning your own home is that you can decorate it however you choose.  Unfortunately there are some less exciting things that every homeowner needs to do. Read more...
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Fixing Your Mortgage: 3 Questions To AskAbout 3 years ago, 80% of all mortgages were sitting on a floating rate. And with good reason. The interest rates were falling off a cliff. In a couple of. Read more...
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100!Around 70 litres. Enough to fill a commercial fridge of 2 litre milk containers. And that’s how much Plasma or Blood Rupert Gough, head of local Mortgage Advice company The. Read more...
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App of the Month – GaspyWe all enjoy saving a bit of money, especially if you’re looking to buy your first home or if you’ve just got your first mortgage. There are all sorts of. Read more...
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Deposits: How much do you need to buy your first home?If you have less than 20% deposit, you are referred to (by the banks) as a Low Equity (or Deposit) Borrower.  You are required to meet a different set of. Read more...
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