Renovate your home or pay down your mortgage?
Date Published: 27 October 2020
The question of whether to renovate or pay down your mortgage is not an easy one to answer. It depends on your situation, the state of the property, and what…
Weekly Mortgage Payments Vs Monthly Payments
Date Published: 7 October 2020
The thinking behind weekly payments saving you money is this; If you pay $2,000 in monthly payments there are 30/31 days of interest charged before your next payment reduces your…
A glossary of common mortgage terms
Date Published: 7 October 2020
Below is a list of standard mortgage terms to help buyers and investors understand the finance journey. This list is taken from “The Successful First Home Buyer” book. Asking price…
What is an offset account?
Date Published: 2 October 2020
An offset mortgage is when you have one or multiple bank accounts allocated to your mortgage The money in these accounts lower the amount owed. Instead of earning interest on…
什么是对冲账户(offset mortgage account)?
Date Published: 2 October 2020
对冲账户（Offset Account）是与房屋贷款账户相关联的日常交易账户。顾名思义，它的功能就是对冲您房屋贷款帐户中的本金，因而降低您所需要支付本金所产生的利息。
What happens if a Registered Valuation isn’t high enough?
Date Published: 28 September 2020
There are several reasons why you might need a Registered Valuation when purchasing a property: if you are purchasing a property privately (not through a Real Estate Agent) and are…
准备购买：首次置业者可以准备的三件事
Date Published: 30 August 2020
在买人生中的第一套房子过程中可能会令人困惑，准备好买房的关键是要有条理。以下三件事是您可以提前做，以准备申请房屋贷款。
Ready To Buy: 3 Things Investment Property Buyers Can Do To Get Ready
Date Published: 30 August 2020
So you’ve decided to purchase an investment property, here are first 3 things you can do to get the ball rolling.
What does $1,000,000 buy you in the major NZ cities?
Date Published: 13 August 2020
With Covid-19 lockdowns, working from home has become the new norm. It’s highly probable that buyers who were previously looking to purchase in the larger cities will now be looking…
Preparing For Your Mortgage – Documentation
Date Published: 3 August 2020
This article is current as at September 2021 Being prepared isn’t just for Scouts. When applying for a mortgage you can significantly reduce wait time by providing all required documentation…
Revolving Credit vs Floating Mortgage Account: What’s the difference?
Date Published: 20 July 2020
Most homeowners are familiar with fixed-term mortgages. Over 80% of NZ mortgages are on some sort of fixed-term; the majority are currently for 1 to 2 years. But it’s easy…
Ready To Buy: 3 Things First Home Buyers Can Do Today
Date Published: 11 July 2020
Purchasing your first home can be confusing, getting organised can help. Here are 3 things that you can do today to get ready to apply for your mortgage. Order your…
How Can I Get A Mortgage?
Date Published: 2 June 2020
A lot of the nerves that first home buyers feel when they decide to buy is around the mortgage. When the maximum loan you’ve ever applied for is a $2,000…
如何申请房贷?
Date Published: 2 June 2020
相信很多人在决定购买他们第一套房子的时候会感觉很紧张和不安。 如果你最高贷额只是一张$2000元的信用卡，那么去申请$ 400,000的贷款可能会觉得很有压力。
How To Calculate Break Costs And Decide If It Is A Good Strategy
Date Published: 20 May 2020
For the past 12 years, interest rates (both mortgage and the Official Cash Rate) have been decreasing. That means that almost everyone who has fixed their mortgage at some point…
Flatmates and Your Mortgage
Date Published: 12 May 2020
So you’re looking to purchase. Could a flatmate help you purchase a more expensive house? Will a bank take that extra income into account? How much interest will flatmate income…
When should you transfer your overseas savings if you’re buying a home in NZ?
Date Published: 7 May 2020
With the long-term effects of Covid-19 still unknown, a lot of Kiwi expats are returning from overseas with the intention to purchase a home. That means bringing money home and…
How expat Kiwis can buy property in NZ and return home
Date Published: 23 April 2020
With the Covid-19 pandemic, there has been a huge resurgence in expat Kiwis who have decided that NZ is, indeed, the best place in the world. Both Real Estate Agents…