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Buying a house with Bitcoin

Buying a House with Bitcoin – Can it be Done?

Date Published: 25 August 2021

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

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…

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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…

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Debt to Income Ratios: What Are They and How Are They Measured?

Date Published: 22 June 2021

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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What Happens When You Buy a House?

Date Published: 1 June 2021

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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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…

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First Home Loan Versus First Home Grant

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。

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First Home Grants and KiwiSaver

首次置业补助金 和 KiwiSaver 首套房资金提取

Date Published: 23 March 2021

首次购房者通常会被很多新概念所困扰。在本文中,我们会解释KiwiSaver首套房资金提取,还有“首次置业补助金 – First Home Grant”(以前称为HomeStart补助金)的基本知识。

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2 Bank Account Tips the bank will never tell you

银行永远不会告诉你的小秘密 – 使用多个银行

Date Published: 21 March 2021

银行是企业,目标是赚钱并成为该行业的领先品牌。这是与大多数其他企业的目标相同,归根结底,它们都是很注重销售的。因此不用说,他们不太可能为您提供涉及使用多个银行的建议。以下有两条提示是银行不会告诉你们的 。

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What Your Mortgage Application and Tinder Profile Have in Common

Date Published: 5 March 2021

Applying for a mortgage is much like creating a Tinder profile. You want to make yourself as attractive as possible to get a bank to “swipe right”. Banks aren’t interested…

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申请贷款前期准备策略

Date Published: 5 March 2021

申请房屋贷款就像创建Tinder个人资料一样。您想使自己的申请有足够的有吸引力,让银行“向右滑动”选择你。他们对您的照片不感兴趣,但他们确实想知道您有足够的存款。他们不在乎您是否喜欢去滑板冲浪,但是他们确实在乎您是否有收入来支付贷款。他们不在乎您是否喜欢阳光与沙滩,但他们确实在乎您是否能为自己的钱负责。 

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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…

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Deposits: How much do you need for your first home?

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。

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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,…

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Turn Key, Progress Payments, Contract, Construction, Building, New Home

Construction Mortgages – Turn-Key vs Progress Payment Contracts

Date Published: 9 December 2020

For some time now the Reserve Bank has tried to encourage mortgage lending on newly constructed properties. In other words, getting finance is slightly easier if you are purchasing a…

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Weekly Mortgage Payments Vs Monthly Payments

Date Published: 7 October 2020

The thinking behind weekly payments saving you money is this; If you pay $2,000 in monthly payments there are 30/31 days of interest charged before your next payment reduces your…

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A glossary of common mortgage terms

Date Published: 7 October 2020

Below is a list of standard mortgage terms to help buyers and investors understand the finance journey.  This list is taken from “The Successful First Home Buyer” book. Asking price…

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What is an offset account?

Date Published: 2 October 2020

An offset mortgage is when you have one or multiple bank accounts allocated to your mortgage The money in these accounts lower the amount owed. Instead of earning interest on…

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