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Our Latest Articles

Our Latest Articles

6 Tips for bidding at auction

Auctions can be a little bit overwhelming.  They’re meant to be.  It’s why they result in higher prices for the Vendors.  To help ease the stress, here are 6 quick…

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Where Am I going to find my deposit?

One of the simplest ways to grow your deposit is KiwiSaver. Below, we take a quick look at how quickly your deposit could grow and the numbers around this. Robyn…

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The Rule of 72

Whenever you’re dealing with complex numbers, it helps to have a few tricks to make quick calculations easy.  So here’s an easy way to calculate how long an investment will…

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5 Things To Know About Your Mortgage Pre-Approval Letter of Offer

Good news! You’ve completed your application, handed over a mountain of paperwork (just kidding, our system is paperless) and now you’re pre-approved for your mortgage! After a phone call from…

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Mortgage Deposit: Can I take out a loan to increase my deposit?

As you may know from our other blogs, there are some key levels of deposit that you need to get to in order to buy a new home. The main…

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2019 Interest Rates Prediction

It’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…

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financial stability report, RBNZ, LVR, Economy

The Reserve Bank of New Zealand has released it’s 6 monthly Financial Stability Report. Previous Financial Stability Report Almost exactly one year ago, on the 29th November 2017, the RBNZ announced…

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4 Tips To Buying By Tender

Recently we looked at some tips for bidding at an auction.  But what if the house you love is for sale by tender?  Tenders are much less time-pressured than auctions…

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The one bank trap and the several bank nightmare

A 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…

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The Bank Said No Credit Hurdle

It happens to almost everyone eventually.  You walk into the bank, ask for an amount of money, either to buy a car, house or business and the bank declines you. …

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The Worst Financial Decision You Can Make

Saving is a long, slow process. That’s why so many of us are so bad at it. You could put $20 aside every week and after a year, you’ll have…

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The Bank Said No Income Hurdle

It happens to almost everyone eventually. You walk into the bank, ask for an amount of money, either to buy a car, house or business and the bank declines you. Today we’ll…

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It happens to almost everyone eventually. You walk into the bank, ask for an amount of money, either to buy a car, house or business and the bank declines you. We look…

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Small Steps – Update Your KiwiSaver Contact Details

If 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…

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Better budget - the spindel laundry dryer

At least once a month, we try to bring you an unusual outside-the-box method to save money.  Recently we’ve introduced you to Pocketsmith.com and shown you how cleaning your heat…

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What is a reverse mortgage?

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. …

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Case study - August 2018

This month’s case study looks at a client that found themselves almost at the magical 20% deposit.  Almost… but not quite. Let’s call the couple Bill and Hillary (obviously not…

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City focus - Tauranga

This month our Mortgage Advisers take a good look at the property sector in the beautiful city of Tauranga. Tauranga Property Prices It would be fair to say that property…

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