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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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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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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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“My income is too high to be able to use KiwiSaver to purchase my first home”, was a comment made in passing to me today. Article written and submitted by…

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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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Preparing For Your Mortgage - Documentation

Getting a mortgage can be stressful and a lot of that stress is caused by waiting for the bank to make their offer. You can significantly reduce wait time by…

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Letter of Offer

Good news! You’ve completed your application, handed over a mountain of paperwork (just kidding, our system is paperless) and now you’re pre-approved for your mortgage! After a phone call from…

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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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property expert

Surrounding yourself with property experts is not just a good idea; it’s absolutely necessary. And while it sounds expensive, you don’t have to go full-Thomas-Crown to get the advice you…

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Couples should use different banks

In recent years, the Reserve Bank of New Zealand has implemented a host of rules on the banks, particularly around mortgages.  These rules have several purposes. Some of them, like…

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Ready To Buy: 3 Things First Home Buyers Can Do Today

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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Purchasing at Auction - A Step By Step Guide

It often feels like you’re stumbling in the dark when you’re buying your first home.  So we’ve compiled a list of steps you are likely to go through in your…

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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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Mortgagee Sales – What To Look Out For

Property prices have increased significantly over the past few years.  It can be tempting for buyers to be on the hunt for a bargain.  For most buyers, nothing says “desperate…

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10 Things Homeowners Should Do Annually, But Don't

The best thing about owning your own home is that you can decorate it however you choose.  Unfortunately there are some less exciting things that every homeowner needs to do…

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