Our Finance Blog

If you ever wondered why it’s a good idea to have a mortgage adviser refix your loans then just ask Linda. Linda has a home loan with ANZ Bank and asked if we could look to…

Why are Kiwi’s turning to mortgage advisers instead of going directly to the bank? It’s really quite simple. A good mortgage adviser is a person that you can rely on. They will be professional and can…

When we heard from Grant about his experience with his bank we were not surprised! As a small West Auckland business owner Grant had the option to take on a larger contract, but that meant the…

It’s easy to get excited about finding your new home; however it’s always best to slow down a bit and get mortgage advice before you start looking at properties. For most of us our mortgage will…

A lot of Kiwis have not heard of the co ownership concept with property, but it’s quite common in other places and is becoming more popular here too. The concept of co-ownership provides a way to…

Property investors know it’s a good time to restructure lending, and if they don’t know then they should seriously consider it. Why is it such a good time? There are three key things that make it…

When you own more than one property the bank will want to link your properties, and while it is the easy option it is not the best option. You need to retain control over your properties…

Some of the top Auckland mortgage brokers are starting to look at what will be perceived as the most important things in the post COVID environment. With the second lock-down Auckland mortgage brokers have realised that…

As mortgage advisers one of the most common questions that we are asked is “how low will mortgage rates go?” Whether you are just getting a mortgage, refinancing your mortgage or just have a loan due…

Buying your first home is not easy and there is plenty to think about both before and after you apply for a home loan or start looking at houses. The media are saying that the cooling…

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…

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…

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…

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…

First home buyers have struggled for years to get onto the property ladder, but now with co-ownership there is another way. Over the years in New Zealand parents have helped their children to buy their first…

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….

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? [caption id=”attachment_6007″ align=”alignright”…

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…

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…

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…