Mortgage Express will continue to serve our customers during this difficult period. With 50 mortgage and insurance advisers located throughout New Zealand, we are committed to helping you manage your finances in these unprecedented times. We can meet you online and talk through your financial options so that you have a clear path ahead for the uncertain future. If you have any questions or concerns, get in touch with our team today.
Topics: Credit Card Debt, Debt Consolidation, Household Debt, Mortgage Advice, Financial Hardship
Financial hardship can happen to anybody, at any time and has many causes. As the evolving challenges and restrictions related to the COVID-19 virus are ever changing, it would be fair to say that life can be unpredictable and situations are sometimes outside of your control.
Topics: Credit Card Debt, Debt Consolidation, Household Debt, Mortgage Advice, Financial Hardship
New financial technology has taken the retail world by storm. Systems that allow you to pay off your purchase by staggered repayments over a number of weeks with no interest charged, are being offered in most online stores and in-store too. But could these “lay-by” services be doing more damage than good? Can Afterpay and the likes actually affect a mortgage application?
Topics: Credit Card Debt, Debt Consolidation, Household Debt, Financial Health, Bad credit
If you’re feeling weighed down by the amount of debt you have and the number of repayments you’re trying to manage each month, debt consolidation could be the answer. Debt consolidation rolls multiple high-interest debts into a single payment which could help reduce your total debt over time and ensure you pay it off faster. Not convinced? Here are 5 ways consolidating your debt makes financial sense.
Topics: Credit Card Debt, Debt Consolidation, Finance Update, NZ Finance, Credit Check, Home Loan Advice, Debt-free
Understanding how lenders assess lending criteria could help improve your chances of success when it comes to a home loan application. Your borrowing power and borrowing capacity will depend on your income, family size, current debts and the type of loan you’re applying for. But did you know that there are a few simple steps you can take to improve your borrowing power? Take a look at what these are.
Topics: Credit Card Debt, Debt Consolidation, Finance Update, NZ Finance, Credit Check, Home Loan Advice, Debt-free
Having your mortgage application declined isn’t necessarily the end of the road when it comes to your home buying journey. There are a few reasons why your lender may turn you down and understanding what these are is the key to your success. Here are 4 of the most common reasons why lenders may decline a mortgage application.
Topics: Credit Card Debt, Debt, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget
As Auckland’s housing market continues to grow, albeit at a much slower rate, a major bank has forecast a decrease in house prices across New Zealand over the next four years. New Zealand’s labour-led government policies kick in this month, and an easing up of LVR restrictions could be just the boost first home buyers need. Take a look at some of the property market changes you could expect in 2018.
Topics: Credit Card Debt, Debt Consolidation, Debt, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget
There’s no doubt that Christmas can be an expensive time. Family holidays, costly Christmas gifts, and maybe even a little something for yourself. Unfortunately, in January when the credit card bills start rolling in, reality hits many people. To help you overcome a Christmas debt hangover, we’re sharing our new year budgeting tips.
Topics: Credit Card Debt, Debt Consolidation, Debt, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget
