Our Blog

See our latest insights, opinions and new on the New Zealand Mortgage Market for – First Home Buyers, Refinances & Mortgages of all types.

Tip’s For Shopping For The Best Mortgage Rates

Tip’s For Shopping For The Best Mortgage Rates

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....

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Sovereign Home Loans Provide Better Home Loan Rates

Sovereign Home Loans Provide Better Home Loan Rates

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...

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Six Good Ways That Help Kiwis Save More For Your Deposit

Six Good Ways That Help Kiwis Save More For Your Deposit

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...

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A Fast Home Loan Pre Approval Might Not Be Best

A Fast Home Loan Pre Approval Might Not Be Best

Everyone wants a fast home loan pre approval, but that doesn't mean that you are getting the best home loan,and often it can mean the opposite! Often people think that all home loan are the same ... but are they? Simple answer is NO they are not all the same and a...

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How To Save $50,000 When You Refix A Home Loan

How To Save $50,000 When You Refix A Home Loan

Today we arranged to refix a home loan and managed to also show Stephanie how she could save $50,000 How Simple Is This... Stephanie had a home loan of about $360,000 and was paying $1,975 monthly. The loan was at an interest rate of 4.55% which included a low equity...

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Some Relief Ahead With LVR Restrictions Removed

Some Relief Ahead With LVR Restrictions Removed

Many people have already started to ask what it means to have the LVR restrictions removed...  and given the current economic environment it's a very good question. So what does it really mean? Let's firstly cover off what the LVR restrictions were and why they were...

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Are The LVR Restrictions About To Be Removed?

Are The LVR Restrictions About To Be Removed?

Today it has been reported that the Reserve Bank is proposing the removal of mortgage loan-to-value ratio or LVR restrictions. The proposal is in response to the economic downturn caused by the COVID-19 pandemic. The announcement states: "If the decision is made to...

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Lenders Main Focus Now Is Your Income

Lenders Main Focus Now Is Your Income

The banks and lenders are concerned about stability or employment and income with impacts from COVID-19 and now lenders main focus is income and stability of that income. The lenders servicing tests have become even tougher during the Covid-19 crisis, with banks and...

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