See our latest insights, opinions and new on the New Zealand Mortgage Market for – First Home Buyers, Refinances & Mortgages of all types.
A lot of Kiwis have not heard of the co ownership concept with property, but it's quite common in other places and is becoming more popular here too. The concept of co-ownership provides a way to buy into your first home when your deposit is less than what the banks...
Property investors know it's a good time to restructure lending, and if they don't know then they should seriously consider it. Why is it such a good time? There are three key things that make it a good time and they include; The favorable LVR rules that exist at the...
When you own more than one property the bank will want to link your properties, and while it is the easy option it is not the best option. You need to retain control over your properties and finances, and it's easy to lose control and options when the bank has linked...
Some of the top Auckland mortgage brokers are starting to look at what will be perceived as the most important things in the post COVID environment. With the second lock-down Auckland mortgage brokers have realised that the market in New Zealand's largest city is a...
As mortgage advisers one of the most common questions that we are asked is "how low will mortgage rates go?" Whether you are just getting a mortgage, refinancing your mortgage or just have a loan due for refixing then you will want to try and get the lowest mortgage...
Buying your first home is not easy and there is plenty to think about both before and after you apply for a home loan or start looking at houses. The media are saying that the cooling property market is making it easier for first home buyers but it is still not easy....
When you find a house you want to buy, or when you are refinancing your mortgage your impulse may be to move quickly to lock in a mortgage rate — especially in a competitive market like we have today. But you don’t want to move so fast that you end up with a bad deal....
Most major banks have a "standard interest rate" and a "special interest rate" with the special home loan rates only being available to people that have more than 20% equity or deposit. If you have less than 20% deposit then generally the standard rates apply, plus a...
Save more for your deposit ... yes, that is what you may have been told. But as we know saving a deposit for your first home is not easy, and in the cities where houses are more expensive you will need a bigger deposit which makes things even more difficult. As...