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Posts Tagged ‘Mortgage’

financial stability report, RBNZ, LVR, Economy

Financial Stability Report: RBNZ announces new changes to mortgage lending

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. Read more…

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Tender

4 tips to making an offer by 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. Read more…

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property expert

Property Experts: who you need for a first home purchase

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. Read more…

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one bank trap

The One Bank Trap and The Several Bank Nightmare

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. Read more…

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KiwiBuild

What is KiwiBuild?

Article updated: 30th October 2018 Have you heard about KiwiBuild?  Jacinda Ardern’s Labour government is promoting it’s programme to build 100,000 affordable homes and apartments over the next 10 years.  Here’s what. Read more…

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The bank said no to your investment property (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. . Read more…

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income

The bank said no because of my 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. . Read more…

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equity

The bank said no because of my deposit

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. . Read more…

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Interest Only

Investment Mortgages and 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. Read more…

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Credit Card, Bad debt

How much does a Credit Card affect your lending?

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.. Read more…

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