Getting a Divorce and a Mortgage – Here’s What to Know
Date Published: 16 October 2022
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…
What to Look for When Buying an Investment Property
Date Published: 14 October 2022
Buying an investment property is a different bag of hedgehogs than buying a property for yourself. When you’re buying your own home it’s (arguably) totally reasonable to debate for hours…
Mortgagee Sales – What To Look Out For
Date Published: 16 August 2022
Property prices have increased significantly over the past few years but so have interest rates and with recent changes to the CCCFA, lending has gotten more difficult. It can be…
Pocket money into KiwiSaver – how to maximise compound interest
Date Published: 16 August 2022
Could parents use KiwiSaver as a method for rewarding children in the form of pocket money? Read on to see how one of our clients is successfully doing it and…
Can I Buy an Investment Property?
Date Published: 1 August 2022
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…
Calculating The Interest On Your Progress-Payment Construction
Date Published: 20 June 2022
Calculating 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…
What is a Reverse Mortgage?
Date Published: 18 June 2022
Retirees often find themselves in a difficult financial position. Short on income but lots of equity, usually stored in their homes. A typical mortgage top-up won’t work in this scenario. …
It’s ok if you don’t understand the KiwiSaver Member Tax Credit…
Date Published: 12 June 2022
just don’t miss out on it. In order to grow your savings, you need to earn money. And you have to pay tax on that money. So, you might earn…
Cost Fluctuations in Build Contracts – Guest Blog
Date Published: 10 June 2022
Just a couple of years ago, the use of the words “cost fluctuation” in the residential building industry was about as common as the use of the word “liquefaction” prior…
Prepare, Don’t Panic – 3 things to do right now to prepare for a recession (and 1 thing you shouldn’t)
Date Published: 9 June 2022
We are entering an unprecedented time. The Reserve Bank has announced an Official Cash Rate increase from the historic low of 0.25% up to 2%. Some economists expect a recession…
How Do Banks Calculate if I Can Afford an Investment Property?
Date Published: 29 May 2022
This article is available in Chinese here. If you’re looking into whether you can afford an investment property, you’re not alone. Owning rental properties is a common kiwi dream. Many…
10 Things Homeowners Should Do Annually, But Don’t
Date Published: 27 May 2022
We love a good list, and a list of ten is universally acknowledged to be the best kind of list. So we’ve pulled together the 10 things home owners should…
First Home Loan vs First Home Grant
Date Published: 22 May 2022
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…
First Home Grants and KiwiSaver
Date Published: 21 May 2022
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…
All About Conveyancing
Date Published: 20 March 2022
When you’re buying a house, there are a lot of things to think about. One of the steps that is often a mystery for homebuyers is what happens with their…
Re-fixing Your Interest Rate: Should You Wait?
Date Published: 18 March 2022
With interest rates getting higher and higher, you may be wondering whether it is best to break your fixed rates early and re-fix your interest rate now to get ahead…
Mortgage Calculator: How to Find the Best One
Date Published: 28 February 2022
Typically, when you use a mortgage calculator, you want to know what your mortgage payments will be (obviously). A couple borrowing, say, $800,000 for an investment property might want to know…
Five Steps You Can Take to Make Your Mortgage Application Easier
Date Published: 28 February 2022
Much has been written about loan applications being rejected under the Credit Contracts and Consumer Finance Act (CCCFA) requirements for reasons such as a couple of lottery tickets, takeaways, and…