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Fixing/refixing your mortgage isn’t as exciting as buying a new house. Or for that matter, as exciting as getting your favourite brand of laundry detergent. But it is an important…

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2 Bank Account Tips the bank will never tell you

银行是企业,目标是赚钱并成为该行业的领先品牌。这是与大多数其他企业的目标相同,归根结底,它们都是很注重销售的。因此不用说,他们不太可能为您提供涉及使用多个银行的建议。以下有两条提示是银行不会告诉你们的 。

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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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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 Do I Get a Mortgage

相信很多人在决定购买他们第一套房子的时候会感觉很紧张和不安。 如果你最高贷额只是一张$2000元的信用卡,那么去申请$ 400,000的贷款可能会觉得很有压力。

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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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Bank Relief Packages and Mortgage Holidays

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…

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2 Bank Account Tips the bank will never tell you

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…

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The Official Cash Rate (OCR) explained

What is the Official Cash Rate? The Official Cash Rate (OCR) is an interest rate set by the Reserve Bank of New Zealand. To be specific, it is the interest rate…

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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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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 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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