Can I Get a Top-Up on My Mortgage?
Date Published: 7 October 2021
There are many valid reasons why you might be looking to pull some equity out of your property to use elsewhere. This is commonly called a ‘top-up’ on your mortgage. …
How Soon Can You Re-apply For A Mortgage After Being Declined?
Date Published: 1 October 2021
No one likes being rejected. Some of us still blush when we remember being turned down by Patrick Summers at the Year 9 dance. That’s just for instance. We’re not…
Applying for Financial Hardship as a Property Owner In A Covid-19 World
Date Published: 1 September 2021
This article is current as of 1 September 2021 It’s Covid-19 lockdown déjà vu for New Zealand. While most of the country is now at level 3 Auckland will remain…
Should I Purchase a New Build or an Existing House?
Date Published: 30 August 2021
There’s a lot to weigh up between a new build or an existing house. Some of it is a personal preference; the beauty of a stained glass window in a…
Interest-Only Mortgages
Date Published: 24 August 2021
This article is current as at 1 September 2021. Interest-only mortgages can be the right strategy in certain circumstances. Unfortunately freeing up money in order to go on holiday isn’t…
The Income Hurdle – Why Most Kiwi Investors Only Own a Single Investment Property
Date Published: 28 July 2021
For many of us, the game Monopoly informs our earliest understanding of how investment property works. And so we are given to believe that it’s fairly straightforward to grow from…
Property Experts You Need on Your Team
Date Published: 27 July 2021
Surrounding yourself with property experts is not just a good idea; it’s absolutely necessary. And while it sounds expensive, you don’t need to be rolling in cash. In fact, in…
Why Should You Use a Mortgage Broker If You Already Have a Mortgage?
Date Published: 20 July 2021
When you think about mortgage broking (okay, you probably don’t think about mortgage broking but stay with us) you probably think about it in the context of buying a house.…
Better Budget – All About Your Heat Pump
Date Published: 24 May 2021
Heat pumps are great. They are efficient and quick to work. In fact, GenLess says that a heat pump is the most energy-efficient way of using electricity to heat your home.…
Everything you need to know about debt
Date Published: 29 April 2021
Debt can be a bit of a scary word, but don’t worry, this is a safe space! This article covers what it is, how it affects your mortgage application and…
首次住房贷款 vs 首次住房补助
Date Published: 23 March 2021
之前，我们已经研究了First Home Grants和KiwiSaver之间的区别。另一个经常引起混淆的配对是“首次购房贷款”（以前称为“Welcome Home Loan”）和“首次购房补助”（以前称为“HomeStart Grant”）。它们都由新西兰住房协会（房屋局）经营，但实际上有很大的不同。
首次置业补助金 和 KiwiSaver 首套房资金提取
Date Published: 23 March 2021
首次购房者通常会被很多新概念所困扰。在本文中，我们会解释KiwiSaver首套房资金提取，还有“首次置业补助金 – First Home Grant”（以前称为HomeStart补助金）的基本知识。
银行永远不会告诉你的小秘密 – 使用多个银行
Date Published: 21 March 2021
银行是企业，目标是赚钱并成为该行业的领先品牌。这是与大多数其他企业的目标相同，归根结底，它们都是很注重销售的。因此不用说，他们不太可能为您提供涉及使用多个银行的建议。以下有两条提示是银行不会告诉你们的 。
How the 2020/2021 LVR Changes Affects You
Date Published: 16 February 2021
Updated 16th February 2021 It might feel like decades ago, but on 30th April 2020, the Reserve Bank announced the removal of LVR restrictions on banks in New Zealand. In…
Deposit：您需要多少钱才能购买第一套房子？
Date Published: 14 February 2021
如果您的存款少于房屋价钱的20％，这就称为low equity borrower 。对于20％或以下的借款人，您需要满足一套不同的贷款标准。
Apartments: The Low-Down On High Rises
Date Published: 10 December 2020
Apartments are a very tempting purchase, especially for first-home buyers. They tend to cost less and therefore be much more within reach. And you can pretend you’re living in Manhattan,…
Construction Mortgages – Turn-Key vs Progress Payment Contracts
Date Published: 9 December 2020
For some time now the Reserve Bank has tried to encourage mortgage lending on newly constructed properties. In other words, getting finance is slightly easier if you are purchasing a…
How to Move Cities When You Have a Mortgage
Date Published: 23 November 2020
With more employers than ever allowing staff to work remotely, you may be thinking of buying outside the city limits. Without the long commute to work limiting your thinking, suddenly…