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First Home Grants and KiwiSaver

First home buyers can often get tangled up in the pile of new concepts to learn.  In this article, we explore the basics of withdrawing your KiwiSaver and meeting the…

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3 Thinks you can do to get ready for a mortgage

Order your Credit Report It’s free to order your own Credit Report and is a great insight into what the bank will know about you. See what loans are recorded…

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Paying Down Your Mortgage or Savings Into KiwiSaver

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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How to purchase an apartment

Apartments are a very tempting purchase, especially for first-home buyers.  They tend to be lower cost and therefore much more within reach.  But there are a few things to be…

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6 Tips for bidding at auction

Auctions can be a little bit overwhelming.  They’re meant to be.  It’s why they result in higher prices for the Vendors.  To help ease the stress, here are 6 quick…

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break costs, case study, mortgage, refixing, interest rates

This month’s case study looks at a client that asked us to investigate breaking their current interest rates in order to restructure their mortgage. The clients – let’s call them…

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Fixing your mortgage

About 5 years ago, 80% of all mortgages were sitting on a floating rate. And with good reason. The interest rates were falling off a cliff. In a couple of…

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Preparing For Your Mortgage - Documentation

Getting a mortgage can be stressful and a lot of that stress is caused by waiting for the bank to make their offer. You can significantly reduce wait time by…

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Letter of Offer

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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Investment Property

So you’ve decided to purchase an investment property, here are first 3 things you can do to get the ball rolling.

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financial stability report, RBNZ, LVR, Economy

The Reserve Bank of New Zealand has released it’s 6 monthly Financial Stability Report. Previous Financial Stability Report Almost exactly one year ago, on the 29th November 2017, the RBNZ announced…

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Tender

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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property expert

Surrounding yourself with property experts is not just a good idea; it’s absolutely necessary. And while it sounds expensive, you don’t have to go full-Thomas-Crown to get the advice you…

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one bank trap

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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The Bank Said No Credit Hurdle

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. …

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income

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. …

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equity

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. …

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Interest Only

In recent years, the Reserve Bank has been working on reducing the amount of Interest Only mortgages in New Zealand. In the article below, we look at how it affects…

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