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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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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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Where Am I going to find my deposit?

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. Robyn…

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Mortgage Deposit: Can I take out a loan to increase my deposit?

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…

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income

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. …

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equity

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. …

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Welcome Home Loan versus The HomeStart Grant

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…

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