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Our Latest Articles

Our Latest Articles

moving cities

With more employers than ever allowing staff to work remotely, you may be thinking of buying outside the city limits. Without the long commute to work limiting your thinking, suddenly…

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The question of whether to renovate or pay down your mortgage is not an easy one to answer. It depends on your situation, the state of the property, and what…

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This article is available in Chinese here. Owning rental properties is a common kiwi dream. Many of us envision going into retirement with a couple or more of freehold properties…

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The thinking behind weekly payments saving you money is this; If you pay $2,000 in monthly payments there are 30/31 days of interest charged before your next payment reduces your…

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Below is a list of common mortgage terms which will help buyers and investors understand the finance journey.  This list is taken from “The Successful First Home Buyer” book. Asking…

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An offset mortgage is when you have one or multiple bank accounts allocated to your mortgage The money in these accounts lower the amount owed. Instead of earning interest on…

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What happens if a Registered Valuation isn't high enough?

There are several reasons why you might need a Registered Valuation when purchasing a property: if you are purchasing a property privately (not through a Real Estate Agent) and are…

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3 Things Investment Property Buyers Can Do To Get Ready

So you’ve decided to purchase an investment property, here are first 3 things you can do to get the ball rolling.

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What does a million dollars buy you in the major cities

With Covid-19 lockdowns, working from home has become the new norm. It’s highly probable that buyers who were previously looking to purchase in the larger cities will now be looking…

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Preparing For Your Mortgage - Documentation

This article is current as at September 2021 Being prepared isn’t just for Scouts. When applying for a mortgage you can significantly reduce wait time by providing all required documentation…

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Revolving Credit, Floating Account, Mortgage

Most homeowners are familiar with fixed-term mortgages.  Over 80% of NZ mortgages are on some sort of fixed-term; the majority are currently for 1 to 2 years.  But it’s easy…

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Ready to Buy: 3 Things First Home Buyers Can Do Today

Purchasing your first home can be confusing, getting organised can help. Here are 3 things that you can do today to get ready to apply for your mortgage. Order your…

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How Do I Get a Mortgage

A lot of the nerves that first home buyers feel when they decide to buy is around the mortgage.  When the maximum loan you’ve ever applied for is a $2,000…

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How To Calculate Break Costs And Decide if it a Good Strategy

For the past 12 years, interest rates (both mortgage and the Official Cash Rate) have been decreasing.  That means that almost everyone who has fixed their mortgage at some point…

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Flatmates and your mortgage

So you’re looking to purchase. Could a flatmate help you purchase a more expensive house? Will a bank take that extra income into account? How much interest will flatmate income…

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When Should You Transfer Your Overseas Savings If You're Buying A Home In NZ

With the long-term effects of Covid-19 still unknown, a lot of Kiwi expats are returning from overseas with the intention to purchase a home. That means bringing money home and…

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How Expat Kiwis Can Buy Property in NZ and Return Home

With the Covid-19 pandemic, there has been a huge resurgence in expat Kiwis who have decided that NZ is, indeed, the best place in the world. Both Real Estate Agents…

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Stop looking at the Performance of House Prices

Almost every potential house buyer, at some point, will utter some version of the words “what are house prices doing at the moment?”.  It’s an understandable concern.  You don’t want…

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