Avoiding a Christmas budget blow-out

Dec 15, 2017 11:10:30 AM

There’s nothing quite like Christmas for evoking memories of long, lazy summer days, presents under the tree, and BBQ’s on the beach. Unfortunately, for many people though, Christmas can be a stressful time too. Coping with extra expenses at this time of year without blowing the budget is a challenge. Here are our tips for doing just that.


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Topics: Christmas, new zealand property, new zealand real estate, mortgage adviser, Budgeting, Christmas spending

Christmas Holiday Traditions

Dec 14, 2017 9:40:00 AM

It’s hard to believe it’s that time of the year again. Before you get carried away by the silly season, take a moment to slow down and plan some fun holiday traditions to share with your family. From Secret Santa to a Christmas countdown, here are some of our favourite ideas to help you get started on creating your own Christmas holiday traditions.


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Topics: Christmas, new zealand property, new zealand real estate, mortgage adviser, Holiday Traditions

How is your KiwiSaver performing?

Dec 13, 2017 9:56:47 AM

Tracking your KiwiSaver’s performance is an important part of managing your investment. With a range of providers and funds to choose from, even the smallest difference in annual earnings can quickly add up to a significant amount. To get the most out of your fund, it’s important you review your KiwiSaver at least every year.


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Topics: Kiwisaver, LVR, new zealand property, new zealand real estate, first home buyer, mortgage adviser

A change to LVRs

Dec 13, 2017 9:48:51 AM

From January 2018, the Reserve Bank is easing lending restrictions for home buyers and property investors. In place since 2013, LVRs were introduced to help slow rapid house price inflation and rising household debt. While only an incremental change has been confirmed, it’s likely to have a positive impact on first home buyers.


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Topics: LVR, new zealand property, new zealand real estate, first home buyer, mortgage adviser

A ban on foreign property buyers

Nov 28, 2017 9:00:14 AM

With a change in government comes a change in policy and the first of these is a ban on foreigners buying existing property in New Zealand. Just how much of an impact this will have on the New Zealand property market remains to be seen, with many experts believing only a small percentage of property buyers will be affected. Is the ban simply a political move or will it help curb rising house prices?


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Topics: Mortgage, new zealand property, new zealand real estate, buying property, meth testing, meth contamination, labour government, foreign buyer ban

3 Things that could impact your credit score

Nov 21, 2017 12:35:00 PM

Your credit score is used by lenders to determine your lender-ability and in deciding what interest rate you’ll be charged. Having a good credit score could mean the difference in thousands of dollars spent or saved, so it’s understandably an important factor in your financial life. Here are some of the things that could impact your credit score.


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Topics: new zealand property, new zealand real estate, buying property, mortgage adviser, credit score

Selling your property by auction

Nov 20, 2017 8:52:28 AM

Across Australia and New Zealand, auctions have become an increasingly popular means of selling property. One of the benefits of an auction is that it places a time limit on a sale, in turn generating a sense of urgency in buyers which often leads to a higher sale price. But auctions offer other benefits to sellers too. Take a look at what these are.


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Topics: Auctions, new zealand property, new zealand real estate, buying property, mortgage adviser, property auction

Meth testing your rental property

Nov 14, 2017 12:33:54 PM

There’s been much discussion in the media recently around methamphetamine contamination in New Zealand. Tenants are being evicted and landlords are spending thousands of dollars decontaminating properties that test positive for “P”. While some scientists have questioned the government’s standard for meth contamination, many believe it’s vital in helping safeguard the value of properties and its tenants. Either way, as a landlord in New Zealand, it’s important you understand meth contamination.


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Topics: Mortgage, new zealand property, new zealand real estate, buying property, meth testing, meth contamination

Making your home loan work for you

Oct 13, 2017 10:23:08 AM

When it comes to choosing a home loan, interest rate is not the only thing to consider. Loan features – like the ability to make extra repayments, a line of credit, an off-set account, or repayment holidays – are just as important. To help you understand what features you could be offered by your lender, we’ve outlined some of the more popular options.


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Topics: LVR, Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage stress, low equity margin, LEM, loan to value ratio

NZ Property Market, post-election

Oct 12, 2017 11:36:00 AM

The 2017 New Zealand election may be out of the way but its impact is still being felt in the NZ property market. Uncertainty continues to weigh in with spring sales noticeably lower than previous years. Nationwide residential property values rose for September, although a much smaller increase was recorded in the Auckland region. Read on to find out how New Zealand’s property market is expected to perform, post-election.


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Topics: LVR, Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage stress, low equity margin, LEM, loan to value ratio