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…
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…
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…
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…
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…
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.…
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…
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…
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…
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…
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…
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…
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…
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…
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…