If you’re not in finance, you probably most often hear and see the word “leverage” discussed negatively. News articles about failed investors and companies will no doubt (accurately) list overleverage…
A common phrase in mortgage world is the “one bank trap”. It’s when you have all your lending with one bank which gives the policy makers at the bank all…
When buying your own home, you need to be good at negotiating with your partner over issues such as whether an outdoor pizza oven is a must-have or a nice-to-have.…
You’ve got a fixed-term account maturing soon and the bank or your broker has sent you some interest rates. Maybe your current bank is offering 0.1% higher than another bank…
It happens to almost everyone eventually. You walk into the bank and ask for money, either to buy a car, house, or business. But the bank declines you. Today we’ll…
It happens to almost everyone eventually. You walk into the bank, and ask for an amount of money, either to buy a car, house, or business and the bank declines you. Today…
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. We look…
The Rule of 72 is a widely-used financial concept that allows investors to estimate how long it will take for an investment to double in value, given a fixed annual…
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…
Buying an investment property is a different bag of hedgehogs than buying a property for yourself. When you’re buying your own home it’s (arguably) totally reasonable to debate for hours…
Our childhoods have betrayed us. Property investment is not as easy as rolling a four to land on Mayfair, paying £400 then sitting back to wait for someone to land…
Just a couple of years ago, the use of the words “cost fluctuation” in the residential building industry was about as common as the use of the word “liquefaction” prior…
We are entering an unprecedented time. The Reserve Bank has announced an Official Cash Rate increase from the historic low of 0.25% up to 2%. Some economists expect a recession…
This article is available in Chinese here. If you’re looking into whether you can afford an investment property, you’re not alone. Owning rental properties is a common kiwi dream. Many…
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…
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…
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…