How to keep moving up the property ladder

Jul 21, 2017 5:00:00 AM

There’s a lot of focus on first home buyers, with Government incentives designed to help save a deposit and get a foot onto the property ladder. Second-steppers – those who already own a home and are looking to upsize or upgrade – are sometimes overlooked. If you’re one of the second-steppers trying to move up the property ladder, here are a few ways to do that.


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Topics: Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home

House hunting tips

Jul 19, 2017 8:00:00 AM

It’s easy to get carried away in the hunt for the perfect home and end up overlooking important details – like how much it costs – while being blindsided by the amazing features – the size of that kitchen! And if you’re visiting several open homes each weekend, it can be challenging staying focused. To help you get organised in the hunt for your dream home, here are three house hunting tips.


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Topics: Properties for sale, private sale, new zealand property, new zealand real estate, first home buyer, saving tips

Would Debt-to-Income restrictions solve the housing problem?

Jul 17, 2017 9:00:00 AM

Earlier in June 2017, the Reserve Bank released a consultation paper on setting restrictions that would limit the amount buyers could borrow for their mortgage based on their income. If these measures are deployed, it’s estimated around 2,000 owner-occupiers and 9,000 investors a year would effectively be cut out of the property market. Would this solve New Zealand’s housing problem? Read on to find out more.


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Topics: Debt Consolidation, Debt to Income Ratio, new zealand property, new zealand real estate, first home buyer

What to think about before you buy

Jul 13, 2017 3:37:40 PM

There’s a lot to think about when buying a home – and if it’s your first time on the property ladder, it can seem a daunting prospect. Aside from the obvious questions you need to ask yourself – “will I be able to afford a mortgage?” “where do I want to buy and what type of property do I want?” – it’s important you carefully research the property you’re intending to buy before committing. Here are 3 ways you can do that.


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Topics: Properties for sale, private sale, new zealand property, new zealand real estate, first home buyer, saving tips

Savings tips for first home buyers

Jun 20, 2017 10:20:23 AM

It’s the plight of every first home buyer: saving for that seemingly unattainable deposit. It can start to feel like the harder you try to save, the further away your goal gets. But, if you ever want to have a place to call your own, you’ll need to start saving. Here are our tips to help you get started.


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Topics: Properties for sale, private sale, new zealand property, new zealand real estate, first home buyer, saving tips

What is LMI and do I have to pay it?

Jun 16, 2017 6:00:00 AM

As a first home buyer, you’ve no doubt got questions about the home buying process. How much deposit you need. What the lending criteria are. Using your KiwiSaver or the HomeStart Grant. There’s an awful lot of information to process and it’s understandable you might even feel a little overwhelmed. To help you navigate buying your first home, we’re outlining one of the costs you need to factor in when applying for a high LVR loan: Lenders’ Mortgage Insurance.


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Topics: NZ Finance, NZ Property, nz mortgage

Interest only mortgages: the pros and cons 

Jun 14, 2017 1:00:43 PM

When it comes to home loans, there are plenty of options to choose from. Knowing which one suits your circumstances best is often the challenge. In a short-term situation, an interest only loan could be the financial boost you need to buy an investment property or to do those home renovations while keeping your repayments as low as possible. Is this type of lending viable? Let’s take a closer look at the pros and cons of an interest only mortgage.


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Topics: NZ Finance, NZ Property, nz mortgage

Budget saving winter warming tips

Jun 14, 2017 11:14:33 AM

Winter has arrived and unfortunately, so have the power bills. While newly built homes are well-insulated, energy efficient and warm, older homes tend to lose heat as soon as the sun goes down. To keep your home warm and dry this winter without blowing the budget, we’re sharing our budget saving winter warming tips.


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Topics: NZ Property, warm home, winter home

Property sales slow across New Zealand

Jun 12, 2017 9:28:20 AM

Property sales slow across New Zealand

Property sales volumes have slowed noticeably across New Zealand, likely a result of a combination of factors: the latest loan-to-value restrictions, tougher lending criteria from banks, and the usual slump in sales over the winter period.


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Topics: Mortgage Express

Harcourts National Conference 2017 Awards - Mortgage Express | Year ending March 2017

May 26, 2017 12:48:37 PM

Year ending March 2017

Harcourts National Conference 2017 Award winners


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Topics: Award Winners, End of Year Awards, harcourts national conference