Deposits: How much do you need to buy your first home?
Date Published: 19 April 2024
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…
Mortgage Deposit: Can I take out a loan to increase my deposit?
Date Published: 6 January 2024
As you may know from our other blogs, there are some key levels of deposit that you need to get to in order to buy a new home. The main…
Where Am I Going To Find My Mortgage Deposit?
Date Published: 3 January 2024
One of the simplest ways to grow your deposit is KiwiSaver. Below, we take a quick look at how quickly your deposit could grow and the numbers around this. Let’s…
The Mindset You Need to Get into Your First Home
Date Published: 25 October 2023
When you start thinking of owning your first home and considering the steps and challenges involved, it can feel like an impossible goal. There’s no getting around the fact that…
The Bank Said No Because of My Income
Date Published: 3 April 2023
It happens to almost everyone eventually. You walk into the bank, and ask for an amount of money, either to buy a car, house, or business and the bank declines you. Today…
The Bank Declined My Investment Property Mortgage Application – Equity Hurdle
Date Published: 1 April 2023
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…
First Home Loan vs First Home Grant
Date Published: 22 May 2022
Previously, we’ve looked at the difference between First Home Grants and KiwiSaver. Another often confused, pairing is the First Home Loan (previously known as the Welcome Home Loan) facility and…
首次住房贷款 vs 首次住房补助
Date Published: 23 March 2021
之前，我们已经研究了First Home Grants和KiwiSaver之间的区别。另一个经常引起混淆的配对是“首次购房贷款”（以前称为“Welcome Home Loan”）和“首次购房补助”（以前称为“HomeStart Grant”）。它们都由新西兰住房协会（房屋局）经营，但实际上有很大的不同。
Deposit：您需要多少钱才能购买第一套房子？
Date Published: 14 February 2021
如果您的存款少于房屋价钱的20％，这就称为low equity borrower 。对于20％或以下的借款人，您需要满足一套不同的贷款标准。
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…
如何申请房贷?
Date Published: 2 June 2020
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。