10 Things Homeowners Should Do Annually, But Don’t
Date Published: 27 May 2022
We love a good list, and a list of ten is universally acknowledged to be the best kind of list. So we’ve pulled together the 10 things home owners should…
All About Conveyancing
Date Published: 20 March 2022
When you’re buying a house, there are a lot of things to think about. One of the steps that is often a mystery for homebuyers is what happens with their…
Mortgage Calculator: How to Find the Best One
Date Published: 28 February 2022
Typically, when you use a mortgage calculator, you want to know what your mortgage payments will be (obviously). A couple borrowing, say, $800,000 for an investment property might want to know…
The CCCFA and How It Affects Property Buyers
Date Published: 3 February 2022
The Credit Contracts and Consumer Finance Act (CCCFA) came into force on the 1st December 2021 and was largely meant to protect consumers from high-interest loan sharks. Unintended effects of…
Why are There Still Lots of Property Investors in the New Zealand Market?
Date Published: 28 October 2021
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…
Can I Get a Top-Up on My Mortgage?
Date Published: 7 October 2021
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 mortgage. …
Applying for Financial Hardship as a Property Owner In A Covid-19 World
Date Published: 1 September 2021
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…
Interest-Only Mortgages
Date Published: 24 August 2021
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…
Property Experts You Need on Your Team
Date Published: 27 July 2021
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…
Why Should You Use a Mortgage Broker If You Already Have a Mortgage?
Date Published: 20 July 2021
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.…
What Happens When You Go to Buy Your Next House?
Date Published: 30 June 2021
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…
Better Budget – All About Your Heat Pump
Date Published: 24 May 2021
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.…
Everything you need to know about debt
Date Published: 29 April 2021
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…
How the 2020/2021 LVR Changes Affects You
Date Published: 16 February 2021
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…
Apartments: The Low-Down On High Rises
Date Published: 10 December 2020
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,…
How to Move Cities When You Have a Mortgage
Date Published: 23 November 2020
With more employers than ever allowing staff to work remotely, you may be thinking of buying outside the city limits. Without the long commute to work limiting your thinking, suddenly…
Renovate your home or pay down your mortgage?
Date Published: 27 October 2020
The question of whether to renovate or pay down your mortgage is not an easy one to answer. It depends on your situation, the state of the property, and what…