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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…

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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…

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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…

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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…

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Interest Only Mortgages

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…

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Who is your property team?

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…

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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.…

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Buying your first house is quite a linear process, you get pre-approval, you buy a house. When it comes time to sell your home and buy a new one, the…

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Better Budget - All about your heat pump

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.…

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Can I buy an investment property?

Our childhoods have betrayed us. Property investment is not as easy as rolling a four to land on Mayfair, paying £400 then sitting back to wait for someone to land…

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Can I buy an investment property?

99%的新西兰人的梦想和目标是拥有房产。一旦实现了,人们通常就开始转向购买其第一笔投资物业。

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App of the month – Pocketsmith

If you’ve ever watched one of the Mortgage Lab’s webinars or Facebook livestreams, you will most likely have heard us rave about this app of the month.  It’s one of…

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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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Debt can be a bit of a scary word, but don’t worry, this is a safe space! This article covers what it is, how it affects your mortgage application and…

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Divorce and Mortgages

Divorce is usually an incredibly stressful, time consuming and brain draining process. Conversations over dividing the kitchenware can be as tense as a peace treaty negotiation – yes, who gets…

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Buying at auction can be exciting but also intimidating. Much like your year 5 school production, knowing what to do and when to do it will help you feel more…

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Updated 16th February 2021 It might feel like decades ago, but on 30th April 2020, the Reserve Bank announced the removal of LVR restrictions on banks in New Zealand.  In…

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Apartments are a very tempting purchase, especially for first-home buyers. They tend to cost less and therefore be much more within reach. And you can pretend you’re living in Manhattan,…

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