Our Blog

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

ANZ Now Allow Low Equity Premiums To Be Added To Loans

ANZ Now Allow Low Equity Premiums To Be Added To Loans

While most banks apply a low equity margin to home loans where the deposits are less than 20%, ANZ has charged low equity premiums which are a one-off fee rather than an ongoing margin added to the interest rate that you pay. One of the problems with the fee was that...

read more
Learn The Mortgage Trick To Paying Off Your Home Loan

Learn The Mortgage Trick To Paying Off Your Home Loan

Over the years as a mortgage adviser I’ve seen advertisements and articles about "the mortgage trick” ... that there is some magical trick or secret that  the banks are hiding from you. But as you may have already learned, there is really no trick. It is disappointing...

read more
Should Switching Banks Be Your New Years Resolution?

Should Switching Banks Be Your New Years Resolution?

New Years resolutions are meant to make a positive difference to your life so when you consider your finances switching banks may be the best decision that you can make. Switching banks may seem like a bit of trouble with paperwork to supply to your broker or bank,...

read more
See How James Is Paying Off His Mortgage Faster

See How James Is Paying Off His Mortgage Faster

With home loan interest rates at all time low's there is an opportunity to pay off your mortgage faster and without any pain. This week we worked with James and showed him and his wife how they could pay their mortgage off faster without committing to increasing the...

read more
Mortgage Experts Discuss Revolving Credit Mortgages

Mortgage Experts Discuss Revolving Credit Mortgages

Revolving credit mortgages are flexible loans like an overdraft which is secured over your property. Our mortgage experts discuss how to get the best from a revolving credit mortgage. What Is A Revolving Credit Mortgage? The borrowers (like you) often want to have...

read more
Paying Your Home Loan Off Faster Just Got Easier

Paying Your Home Loan Off Faster Just Got Easier

It's great to know that one bank makes paying your home loan off faster an easier option. But is this the bank that you have your home loan with? Do you want to check which bank makes it easier to start paying your home loan off faster? As mortgage advisers we like to...

read more
Getting A Home Loan With A 5% Deposit

Getting A Home Loan With A 5% Deposit

Let's look at getting a home loan with 5% deposit. As mortgage brokers we are often asked what deposit is needed for a home loan. The New Zealand banks are restricted by Reserve Bank rules (LVR rules) which means that they will normally ask for a 20% deposit; however...

read more
Switch Banks & Pay Your Mortgage Off Faster

Switch Banks & Pay Your Mortgage Off Faster

Have you heard people telling you this ... switch banks and  pay your home loan off faster. Do you have to switch banks? How do you pay your home loan off faster? As mortgage advisers we source home loans for people. But we also like to provide you information that...

read more