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Purchasing your first home can be confusing.  The key to being ready to buy is to be organised.  Here are 3 things that first home buyers can do today to…

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Interest Only

In recent years, the Reserve Bank has been working on reducing the amount of Interest Only mortgages in New Zealand. In the article below, we look at how it affects…

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Yield

When you’re looking for an investment property, you are often either looking for capital growth or yield (ideally a positive cash return).  There’s a quick and easy trick that we,…

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Can I buy an investment property?

Homeownership is the dream and goal of 99% of New Zealanders.   Once achieved, homeowners often to turn to buying their first investment property. How much deposit do you need for…

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Flatmates and your mortgage

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…

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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…

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Deposits: How much do you need for your first home?

If you have less than 20% deposit, you are referred to (by the banks) as a Low Equity (or Deposit) Borrower.  You are required to meet a different set of…

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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…

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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…

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When to get your Accounts done

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…

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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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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…

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Credit Card, Bad debt

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.…

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What does LVR mean?

Think of the Loan to Value Ratio (LVR) like this:  What percentage of the house is covered by the mortgage…  Or, in other words, what percentage of the house does…

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5 Things you need to get into your first home

In this day and age, where house prices are rapidly increasing, it is easy to think that home ownership is an impossible dream.  Before I became a mortgage adviser I…

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3 Thinks you can do to get ready for a mortgage

Order your Credit Report It’s free to order your own Credit Report and is a great insight into what the bank will know about you. See what loans are recorded…

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Paying Down Your Mortgage or Savings Into KiwiSaver

It’s a question we get asked a lot. If we have an extra amount of money in our salary, should we use the money to pay down our mortgage or…

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How to purchase an apartment

Apartments are a very tempting purchase, especially for first-home buyers.  They tend to be lower cost and therefore much more within reach.  But there are a few things to be…

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