fbpx

Our Latest Articles

Our Latest Articles

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

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

Date Published: 11 July 2020

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…

Read More

How Do I Get a Mortgage

How Can I Get A Mortgage?

Date Published: 2 June 2020

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…

Read More

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

How To Calculate Break Costs And Decide If It Is A Good Strategy

Date Published: 20 May 2020

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…

Read More

Flatmates and your mortgage

Flatmates and Your Mortgage

Date Published: 12 May 2020

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…

Read More

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

When should you transfer your overseas savings if you’re buying a home in NZ?

Date Published: 7 May 2020

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…

Read More

How Expat Kiwis Can Buy Property in NZ and Return Home

How expat Kiwis can buy property in NZ and return home

Date Published: 23 April 2020

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…

Read More

Stop looking at the Performance of House Prices

Stop looking at the performance of house prices

Date Published: 15 April 2020

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…

Read More

When to get your Accounts done

When to Get Your Business Accounts Done

Date Published: 31 March 2020

If you happen to be a salary earner, proving your income is relatively easy. As long as your employer issues decent quality payslips, you can provide the 3 most recent slips…

Read More

Bank Relief Packages and Mortgage Holidays

Bank Relief Packages and Mortgage Holidays

Date Published: 26 March 2020

Article current as of 1st April 2020 (no April Fools jokes are contained – all information accurate) With the recent announcements with bank relief packages and mortgage holidays, we are…

Read More

2 Bank Account Tips the bank will never tell you

2 Bank Account Tips The Banks Will Never Tell You

Date Published: 21 March 2020

Banks are businesses and their goal is to make money and become the leading brand in the industry. This is the same goal as most other businesses and their reputation…

Read More

OCR Announcement - 16th March 2020

OCR Announcement – 16th March 2020

Date Published: 16 March 2020

The Reserve Bank today announced that the OCR would be reduced by 0.75% to a new level of 0.25%. International markets around the world have been severely affected by the…

Read More

How Does A Student Loan Affect A Mortgage Pre-Approval

How Does A Student Loan Affect A Mortgage Pre-Approval?

Date Published: 15 March 2020

First home buyers are often nervous about the size of their Student Loan and how it will affect their chance of getting a mortgage.  But how much does it really…

Read More

How does a Credit Card affect your mortgage?, bad debt

How much does a Credit Card affect your lending?

Date Published: 1 March 2020

Kiwis like Credit Cards… a lot.  If you’ve got 10 minutes, you could get one online right now (don’t).  And the price for easily-acquired, unsecured debt is usually ~20% p.a.…

Read More

2022 Predictions Interest Rates / House Prices

NZ Interest Rates Prediction 2020

Date Published: 25 February 2020

It’s the time of the year when the Mortgage Lab buffs up our Crystal Ball, gazes into the infinitely complicated world of economics and comes up with sufficiently generic interest…

Read More

If you quit smoking, how fast could you pay down your mortgage

If you quit smoking, how fast could you pay down your mortgage?

Date Published: 3 February 2020

Smoking is a difficult habit to quit but there are some powerful motivators to do so. For some, it’s the wish to live a healthier, longer life. For others, it’s…

Read More

KiwiSaver, First Hone Grand and First Home Loan

KiwiSaver, First Home Grant and the First Home Loan – FAQs

Date Published: 14 April 2019

“My income is too high to be able to use KiwiSaver to purchase my first home”, was a comment made in passing to me today. Article written and submitted by…

Read More

City focus - Tauranga

City Focus – Tauranga

Date Published: 12 June 2018

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…

Read More

Your mortgage rate is 8%

Your mortgage rate is 8%

Date Published: 26 April 2018

Repeat after me.“The interest rate I pay on my mortgage is 8%…”“The interest rate I pay on my mortgage is 8%…” No it’s not You’re right, it probably isn’t.  If…

Read More