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什么是对冲账户(offset mortgage account)?

Date Published: 2 October 2020

对冲账户(Offset Account)是与房屋贷款账户相关联的日常交易账户。顾名思义,它的功能就是对冲您房屋贷款帐户中的本金,因而降低您所需要支付本金所产生的利息。

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What happens if a Registered Valuation isn't high enough?

What happens if a Registered Valuation isn’t high enough?

Date Published: 28 September 2020

There are several reasons why you might need a Registered Valuation when purchasing a property: if you are purchasing a property privately (not through a Real Estate Agent) and are…

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Preparing For Your Mortgage - Documentation

Preparing For Your Mortgage – Documentation

Date Published: 3 August 2020

This article is current as at September 2021 Being prepared isn’t just for Scouts. When applying for a mortgage you can significantly reduce wait time by providing all required documentation…

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Revolving Credit, Floating Account, Mortgage

Revolving Credit vs Floating Mortgage Account: What’s the difference?

Date Published: 20 July 2020

Most homeowners are familiar with fixed-term mortgages.  Over 80% of NZ mortgages are on some sort of fixed-term; the majority are currently for 1 to 2 years.  But it’s easy…

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

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

Date Published: 11 July 2020

Purchasing your first home can be confusing, getting organised can help. Here are 3 things that you can do today to get ready to apply for your mortgage. Order your…

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How Do I Get a Mortgage

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…

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How Do I Get a Mortgage

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。

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Flatmates and your mortgage

Flatmates and Your Mortgage

Date Published: 12 May 2020

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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Stop looking at the Performance of House Prices

Stop looking at the performance of house prices

Date Published: 15 April 2020

Almost every potential house buyer, at some point, will utter some version of the words “what are house prices doing at the moment?”.  It’s an understandable concern.  You don’t want…

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2 Bank Account Tips the bank will never tell you

2 Bank Account Tips The Banks Will Never Tell You

Date Published: 21 March 2020

Banks are businesses and their goal is to make money and become the leading brand in the industry. This is the same goal as most other businesses and their reputation…

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OCR Announcement - 16th March 2020

OCR Announcement – 16th March 2020

Date Published: 16 March 2020

The Reserve Bank today announced that the OCR would be reduced by 0.75% to a new level of 0.25%. International markets around the world have been severely affected by the…

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How Does A Student Loan Affect A Mortgage Pre-Approval

How Does A Student Loan Affect A Mortgage Pre-Approval?

Date Published: 15 March 2020

First home buyers are often nervous about the size of their Student Loan and how it will affect their chance of getting a mortgage.  But how much does it really…

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How does a Credit Card affect your mortgage?, bad debt

How much does a Credit Card affect your lending?

Date Published: 1 March 2020

Kiwis like Credit Cards… a lot.  If you’ve got 10 minutes, you could get one online right now (don’t).  And the price for easily-acquired, unsecured debt is usually ~20% p.a.…

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2022 Predictions Interest Rates / House Prices

NZ Interest Rates Prediction 2020

Date Published: 25 February 2020

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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If you quit smoking, how fast could you pay down your mortgage

If you quit smoking, how fast could you pay down your mortgage?

Date Published: 3 February 2020

Smoking is a difficult habit to quit but there are some powerful motivators to do so. For some, it’s the wish to live a healthier, longer life. For others, it’s…

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KiwiSaver, First Hone Grand and First Home Loan

KiwiSaver, First Home Grant and the First Home Loan – FAQs

Date Published: 14 April 2019

“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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City focus - Tauranga

City Focus – Tauranga

Date Published: 12 June 2018

This month our Mortgage Advisers take a good look at the property sector in the beautiful city of Tauranga. Tauranga Property Prices It would be fair to say that property…

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