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Buying a home with friends

With house prices at record heights and not everyone having access to help from the Bank of Mum and Dad, many Kiwis are asking whether it is worth buying with…

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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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The Official Cash Rate (OCR) explained

What is the Official Cash Rate? The Official Cash Rate (OCR) is an interest rate set by the Reserve Bank of New Zealand. To be specific, it is the interest rate…

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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…

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Getting a flatmate to help pay the mortgage is a big decision. You have to share your home, and you wanted to keep the spare room for guests. But look…

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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…

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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…

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Tiny homes are all the rage these days. With more people looking to downsize their lives, these little houses are popular among homeowners and renters alike. However, one of the…

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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.  It’s one of our favourites –…

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Recently Labour and National shocked New Zealand by not only agreeing on something but also working together on a new housing bill: the Resource Management (Enabling Housing Supply and Other…

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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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No one likes being rejected. Some of us still blush when we remember being turned down by Patrick Summers at the Year 9 dance. That’s just for instance. We’re not…

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new build or existing home

There’s a lot to weigh up between a new build or an existing house. Some of it is a personal preference; the beauty of a stained glass window in a…

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Buying a house with Bitcoin

In no way does this article condone the investment in Bitcoin.  Invest to your personal level of risk tolerance and always seek advice before engaging in any form of speculative…

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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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On 16 June 2021, the Government announced that the Reserve Bank has been given the authority to use debt-to-income lending restrictions as another tool in the toolbox to help settle…

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Living for the moment. Carefree long wavy hair and lots of paisley clothes. Sounds blissful, but in reality you might feel better having read the menu online before going to…

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