Our Finance Blog

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…

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….

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…

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…

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…

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…

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….

Over recent years, and especially since COVID more and more people are making money online and this includes those people that are full time and the many Kiwis now working online as a part-time gig or…

Buying your first home in 2024: Is it Worth the effort or should you wait? Is it worth making the effort to buy in 2024, or should you wait and save until you have a higher…

It’s always interesting when we reflect on the past year and often I will start by looking back at what I might have predicted back at the start of the year. So I shared what I…

In many countries it’s common to see people buying a home with friends or family and it’s starting to become more common in New Zealand now too. It is also becoming more common to hear that…

One of the key roles for a good mortgage adviser is to provide people on what makes a good home loan. There are other things that advisers do like arranging the home loan and getting competitive…

As mortgage advisers, and from our Facebook Group we hear from lots of first home buyers asking “does a student loan affect getting a mortgage” and they can. The answer is YES your student loan does…

Don’t Remain Disappointed With Your Kiwisaver

As mortgage advisers we get asked “can you get a mortgage while on maternity leave” and we’re always pleased to be able to say YES you can if you meet the criteria. But my bank said…

Today I was invited to discuss what has happened to First Home Partner on Radio New Zealand’s Nine to Noon. We discussed what First Home Partner is and how it has helped people, but also the…

Banks have moved away from providing mortgage managers, but you can still have an adviser that works as a Westpac mortgage manager for you. That’s right, a good adviser will work for you. There are some…

First home buyers are seeing Kainga Ora’s First Home Partner as a good way to get into a first home, but we’re hearing many people that find the process confusing. This is very evident from comments…

You may have heard that Kianga Ora has expanded the shared ownership scheme (First Home Partner) to now allow eligible people to buy existing homes as well as new builds. This is effective from Monday 14th…