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Paying Down Your Mortgage or Savings Into KiwiSaver

Pay Down Your Mortgage Or Save Into Your KiwiSaver?

Date Published: 27 March 2024

It’s a question we get asked a lot. If we have an extra amount of money in our salary, should we use the money to pay down our mortgage or…

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4 Tips To Buying By Tender

4 tips to making an offer by Tender

Date Published: 10 January 2024

Recently we looked at some tips for bidding at an auction.  But what if the house you love is for sale by tender?  Tenders are much less time-pressured than auctions…

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Mortgage Deposit: Can I take out a loan to increase my deposit?

Mortgage Deposit: Can I take out a loan to increase my deposit?

Date Published: 6 January 2024

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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The one bank trap and the several bank nightmare

The One Bank Trap and The Several Bank Nightmare

Date Published: 5 January 2024

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…

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5 Things To Know About Your Mortgage Pre-Approval Letter of Offer

5 Things To Know About Your Mortgage Pre-Approval Letter of Offer

Date Published: 4 January 2024

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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Where Am I going to find my deposit?

Where Am I Going To Find My Mortgage Deposit?

Date Published: 3 January 2024

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. Let’s…

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3 Thinks you can do to get ready for a mortgage

3 Things You Can Do to Get Ready for Your Mortgage (No Matter When You’re Buying)

Date Published: 2 January 2024

Whether you’re getting serious about buying a house or are thinking you’d like to buy sometime in the future, doing these three things today will help you get ready for…

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How Do I Calculate Yield?

How Do I Calculate Yield on an Investment Property?

Date Published: 2 November 2023

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.…

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Fixing or Refixing Your Mortgage: Three Questions to Ask

Date Published: 2 November 2023

Fixing/refixing your mortgage isn’t as exciting as buying a new house. Or, for that matter, as exciting as getting a pizza coupon in the mail. But gives you a valuable…

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What does LVR mean?

What does LVR mean?

Date Published: 26 October 2023

Think of the loan-to-value ratio (LVR) like this:  What percentage of the house is covered by the mortgage… Or, in other words, what percentage of the house does the bank…

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The Mindset You Need to Get into Your First Home

Date Published: 25 October 2023

When you start thinking of owning your first home and considering the steps and challenges involved, it can feel like an impossible goal. There’s no getting around the fact that…

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Case Study – August 2023

Date Published: 13 August 2023

This month’s case study looks at a client that found themselves almost at the magical 20% deposit.  Almost… but not quite. Let’s call the couple Bill and Hillary (obviously not…

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App of the Month – Gaspy

App of the Month – Gaspy

Date Published: 12 August 2023

We all enjoy saving a bit of money, especially if you’re looking to buy your first home or if you’ve just got your first mortgage. There are all sorts of…

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What is Price By Negotiation?

What is Price By Negotiation?

Date Published: 13 July 2023

Until recently, selling a house by Auction has been the most popular method of selling in Auckland.  It takes advantage of the excitement in the market and pits buyers directly…

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App of the month – Sun Seeker

App of the month – Sun Seeker

Date Published: 13 July 2023

This month’s app that we love is called Sun Seeker.  It is immensely useful and a very simple concept. With the world just waking up to Augmented Reality, this app…

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Small Steps – Credit Report

Small Steps – Credit Report

Date Published: 13 July 2023

In today’s world, having a strong credit report is essential for achieving financial success. Your credit report not only determines your eligibility for loans and credit cards, but it also…

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The Bank Said No to Your Investment Property (Credit Hurdle)

Date Published: 3 April 2023

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…

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The Bank Said No Because of My Income

Date Published: 3 April 2023

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…

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