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Our Latest Articles

Our Latest Articles

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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Can I buy an investment property?

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…

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App of the month – Pocketsmith

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…

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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…

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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…

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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…

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Divorce and Mortgages

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…

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First Home Loan Versus First Home Grant

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…

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First Home Grants and KiwiSaver

First 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…

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If you’re lucky enough to have owned a house for at least a couple of years, you’ve almost certainly gotten richer through capital growth. With a hot property market nationwide,…

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Applying for a mortgage is much like creating a Tinder profile. You want to make yourself as attractive as possible to get a bank to “swipe right”. Banks aren’t interested…

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Revolving Credit Tax Trap for Investors

Revolving Credit can be an excellent tool for both homeowners and property investors to reduce interest costs and speed up the repayment of their mortgages while keeping the availability of…

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Buying at auction can be exciting but also intimidating. Much like your year 5 school production, knowing what to do and when to do it will help you feel more…

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Updated 16th February 2021 It might feel like decades ago, but on 30th April 2020, the Reserve Bank announced the removal of LVR restrictions on banks in New Zealand.  In…

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Deposits: How much do you need for 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…

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Apartments are a very tempting purchase, especially for first-home buyers. They tend to cost less and therefore be much more within reach. And you can pretend you’re living in Manhattan,…

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Turn Key, Progress Payments, Contract, Construction, Building, New Home

For some time now the Reserve Bank has tried to encourage mortgage lending on newly constructed properties. In other words, getting finance is slightly easier if you are purchasing a…

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