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.
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…
What’s The Best Offset Home Loan?
We have a few banks in New Zealand, but only three offer an Offset Home Loan (BNZ, Kiwibank and Westpac) which is surprising given how popular they are as a way to easily manage your money…
You Could Go Directly To The Bank BUT…
We hear people saying that you do not need a mortgage adviser as you can go directly to the bank, and it’s true that you can … BUT is that the right thing to do? Should…
Low Deposit Options For Your First Home
What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a low deposit now or wait and save…
The Experts At Home Loans For Nurses
Nurses and people that work in the medical industry often struggle to get home loans (mortgages) with banks. It’s not because they don’t deserve them, they actually do excellent jobs and generally work very, very hard….