Our Blog

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

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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Are You Planning To Sell A Property Soon?

Are You Planning To Sell A Property Soon?

We know that some people will be planning to sell a property soon, and unfortunately some people may be forced to sell. The problem with the market is that during the COVID-19 lock-down it is very difficult to list or sell your property. While we can do a lot of...

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Mortgage Holidays: Questions You NEED To Ask Your Bank

Mortgage Holidays: Questions You NEED To Ask Your Bank

It's great that the banks are offering some options to people with mortgages, but some of the important detail within the COVID-19 financial support packages has not yet been made available. As mortgage advisers that makes it very difficult to offer advice, and as a...

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Three Good Alternatives To Taking A Mortgage Holiday

Three Good Alternatives To Taking A Mortgage Holiday

For most people there are good alternatives to taking a mortgage holiday. A mortgage holiday eases the immediate financial burden of having a mortgage ... that's it. It is not a "gift" from the Government or from your bank. It's costing the Government nothing and your...

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Updates On Mortgage Holidays

Updates On Mortgage Holidays

We have created this post to provide you the latest information and updates on mortgage holidays announced by the Government. They have said "the package will include a six month principal and interest payment holiday for mortgage holders" but people are asking for...

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Understanding How Mortgage Holidays Work

Understanding How Mortgage Holidays Work

In times of crisis a mortgage holiday seems like a great idea. The Government have announced that the banks will be offering a 6-month mortgage holiday to home owners to help them survive financially through the COVID-19 crisis and it was received well by the...

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Managing Your Home Loan Through COVID-19 Lock-Down

Managing Your Home Loan Through COVID-19 Lock-Down

With COVID-19 we are living in times that are nothing like "normal" and we are all having to adapt. One of the largest concerns for many families is the financial impact of not being able to work, and the implications of paying the mortgage and other loans. Managing...

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