What do you want from a finance blog?
We’re guessing that you want good information about all things finance related.
That’s what we have been told, and therefore we do our best to provide updates on a wide range of topics. We help a lot of first home buyers and have New Zealand’s most popular Facebook Group dedicated to them. We also deal a lot with new build finance and non-bank finance as well as the major banks.
We also like to add some stories too as these often help explain how our mortgage advisers can help.
Refinance From A Non-Bank To Bank Today
Do you think you cannot refinance from a non-bank to a bank yet? Maybe it’s time to think again. There are a number of reasons that you might have gone to a non-bank lender with your…
Do You Have The Best Home Loan?
When you have a chance you should review your home loan and the first question you should ask is if you have the best home loan. Yes, that’s questioning if you have the “best” home loan…
Will 2025 Be Your Year To Buy Your First Home?
Are you thinking of purchasing your first home in 2025? Well looking at how things are shaping up we believe a lot of things are aligning that could make it a good year for first home…
Some Bright Ideas for New Years Resolutions
New Year’s resolutions often focus on diet, exercise, and lifestyle changes. But after a tough 2024, we would expect a lot of people are thinking about their own finances and avoiding or reducing financial stress for…
Navigating The Changing Home Loan Interest Rates
With interest rates changing so much and trending downwards, you need to rethink what you’re doing with your home loan. It’s more important than ever to have a strategy so that you can take advantage of…
Homeowners Should Take Advantage Of Dropping Interest Rates
So the good news is interest rates are coming down and therefore when you refix your mortgage you could be paying less, but dropping interest rates also present a great opportunity for you. If you have…
The Kāinga Ora Maintenance Clause (for First Home Loans)
If you intend to buy your first home using the Kāinga Ora low deposit First Home Loan scheme then you need to be aware of the eligibility and the maintenance clause that they have – Kāinga…
Managing KiwiSaver For First Home Buyers’ Deposits
KiwiSaver is being used as a large part of the deposit for first home buyers’ so it’s worth spending a little time to understand the options. Of course it’s great that people are managing to save…
Henderson Townhouse (Brand New 2-Bedroom) $619,000
Here is an opportunity to secure a brand new 2-bedroom townhouse in Henderson, Auckland. Brand new and move in ready, with hi-spec kitchen with quality Bosch appliances, streamlined handle-free cabinetry and a glossy black benchtop. The…
Is Your Low Deposit Holding You Back?
If you’re buying a first home, then one of the key things that you need is the deposit. Don’t let a low deposit stop you from trying! Buying With Your Low Deposit Of course a large…
“You Don’t Know What You Don’t Know”
You don’t know what you don’t know – it’s a saying that I use quite often. Let me explain … I remember one of my first jobs was selling televisions for a home appliance retailer in…
What’s The Number #1 Issue For Home Buyers?
I’ve been a mortgage adviser for over 25-years, focused heavily on helping first home buyers and have seen many initiatives specifically for first home buyers come and go over that time. These have been introduced over…
Is It Better To Go Directly To The Bank For A Home Loan?
We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser. To help answer this we…
Saving Tip’s For First Home Buyers
If you are on the pathway to home ownership you will benefit from these savings tip’s for first home buyers. Create Your Budget If you are serious about saving then you need a written plan, and…
Will This Winter Be A Good Time For Buying Your First Home?
Often winter can be a good time for buying your first home – there are generally less people out looking, so less competition. Some people prefer to look at houses in winter too as it’s generally…
3-Months Free Premiums on Mortgage Protection Cover
Yes, you read that right – as part of our commitment to help protect more New Zealanders, we’re pleased to bring you our latest offer of 3-months free from premiums on new eligible policies. We’re presenting…
Why Refixing On The Banking App Is A Bad Idea
As mortgage advisers with mortgages of our own we have never liked how the banks promote the idea of the easy ‘one-click’ refixing of loans on the banking Apps or websites. We do understand that it’s…
Mortgage Rescue | Save Your Home From A Mortgagee Sale
It’s not a nice position to be in – when your mortgage is in arrears and the bank is pressurising you to catch up the repayments or face having the bank sell your home. It can…
Am I Ready For My First Home Now?
Buying my first home – is it really worth the effort or should I wait? For first home buyers, deposit is generally one of the biggest hurdles that they have, and especially in the larger centres….
An Update On The Aera Ownership Accelerator
Aera introduced us to the Ownership Accelerator as a groundbreaking co-ownership product which was on track to launch as soon as the bank support was locked in, but unfortunately despite them receiving positive feedback and indications…