The Credit Contracts and Consumer Finance Act (CCCFA) came into force on the 1st December 2021 and was largely meant to protect consumers from high-interest loan sharks. Unintended effects of…
Tiny homes are all the rage these days. With more people looking to downsize their lives, these little houses are popular among homeowners and renters alike. However, one of the…
Recently Labour and National shocked New Zealand by not only agreeing on something but also working together on a new housing bill: the Resource Management (Enabling Housing Supply and Other…
If you’re interested in property investment in New Zealand, you’re likely no stranger to the increased lending restrictions put in place this year. These restrictions were intended to discourage small…
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 mortgage. …
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…
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…
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…
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…
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.…
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…
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…
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.…
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…
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…
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.…