Is your home loan competitive?

Jan 10, 2019 11:19:20 AM

It’s a good idea to review your mortgage from time to time, and particularly so if your fixed term ends soon. A mortgage review is a chance to check things like the level of interest you’re paying, whether you’re still getting the best deal, and if your mortgage is structured to suit your lifestyle. Take a look at some of the other benefits of a mortgage review.


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Topics: Home Loan Advice, Home loan rates, Fixed Interest Rate, Variable Interest Rate, Variable versus Fixed

How to cure your Christmas debt hangover

Jan 10, 2019 11:14:31 AM

Christmas spending is often compared to a delayed hangover: For the first couple of weeks after Christmas, life is good. Then the bills start arriving in the mail and your Christmas debt hangover hits like a freight train. Now that the damage is done, how do you cure a Christmas debt hangover?


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Topics: Christmas spending, Christmas Debt, Debt-free, Mortgage-free

Selling your home in summer

Jan 10, 2019 11:08:31 AM

Summer is an excellent time to sell property, say some property experts. Families looking to buy and move into a school zone are usually more active over summer, and what home doesn’t look its best when the trees are green, lawns are lush, and flowers are blooming? If you are considering selling up this summer, take a look some of these useful tips for preparing your property for a summer sale.


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Topics: house sales, Property Valuation, property sales, Summer, Real Estate Agents, Buying a home

5 Steps to becoming debt-free

Dec 17, 2018 11:38:08 AM

Online shopping means spending money has never been easier. The convenience of never having to leave home to buy everything you need comes at a price though, as it’s just as easy to overspend and end up in debt. The good news is it is possible to break that cycle of overspending and be debt-free. We share a few simple steps to help get you started.


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Topics: Mortgage Debt, Debt-free, Christmas spending, Christmas Debt, Household Debt, Debt to Income Ratio, Debt Consolidation

There’s never been a better time to buy

Dec 17, 2018 11:31:41 AM

If you’ve been waiting to buy your dream home or invest in a rental property, this could be the push you need. House price growth in New Zealand has largely peaked, the ban on foreign buyers is likely to dampen demand, and an interest rate hike appears unlikely, at least in the foreseeable future. Property experts agree: now’s a good time to buy.


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Topics: nz mortgage, Buying a home, NZ Property Market, NZ Property, First time homeowner, HomeStart Grant, Kiwisaver

Planning your financial future

Dec 17, 2018 11:27:47 AM

One in three kiwis admits to letting their money take care of itself and hasn’t planned ahead for their financial future, according to BNZ’s financial futures research undertaken during 2017. Are you one of those who may have lost sight of your long-term goals, simply living life for today? Here are some steps you can take to increase your savings and build a solid foundation for future financial success.


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Topics: Christmas Debt, Budgeting, Mortgage Debt, finance health check

Setting a Christmas budget

Dec 11, 2018 7:02:31 AM

It’s easy to get wrapped up in the busy-ness of the season and end up spending far more than you intended at Christmas time. From buying extravagant gifts to decorating your home to the endless entertaining: Christmas spending quickly adds up. Which is why creating a Christmas budget makes perfect sense. Here are some key steps you can take to set a budget for Christmas that won’t break your bank.


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Topics: Christmas Debt, Christmas spending, Christmas, Budgeting, Mortgage Debt, Household Debt, Household Expenses

Impact of foreign buyer ban

Nov 13, 2018 7:13:37 AM

The Labour Government’s election promise to ban non-resident foreign property buyers from buying existing property in New Zealand kicked off on 22 October 2018. So far, the change to the Bill seems to have had little impact on the market, despite dire predictions, and buyer activity remains stable.


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Topics: Mortgages, NZ Mortgage Adviser, foreign buyer ban, Foreign buyers, House prices, NZ Property Market

Financial Health vs. Mental Health

Nov 10, 2018 2:04:00 PM

Your debt may well be costing you more than just the interest you’re repaying! Research shows there’s a clear link between your financial health and your mental health, with some studies reporting a higher risk of mental health problems amongst people who have debt. Having just acknowledged Mental Health Awareness week in October, it’s a good time to remind ourselves of the importance of maintaining good mental and financial health.


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Topics: Mortgages, NZ Mortgage Adviser, Mental Health, Health and Wellbeing, finance health check, Financial Health, Health Insurance

FIRE: Financially Independent, Retire Early

Nov 9, 2018 2:00:46 PM

The latest buzzword to hit the finance streets: FIRE. It stands for “financially independent, retire early” and is a philosophy inspired by a wave of millennials who are no longer content to amass wealth by traditional means or wait to retire at age 65. In simple terms, FIRE means living frugally while saving most of your income. Sound crazy? Perhaps not.


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Topics: Mortgages, NZ Mortgage Adviser, Retirement, Early Retirement, Debt-free, Mortgage-free