Budgeting for Christmas Spending

Nov 29, 2021 10:25:29 AM

Starting the new year with Christmas debt is not something most of us look forward to. But unfortunately, it’s often the reality. To really enjoy the gift-giving season, without feeling guilt-ridden because of overspending, try setting up a Christmas budget that outlines how much you have to spend and who you’re going to spend it on, and then shop without going over budget. Here are some tips for budgeting for Christmas spending.

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Topics: Financial Health, Budgeting, Health and Wellbeing

Top Tips for a Super Safe Summer NZ

Nov 29, 2021 10:12:15 AM

There’s nothing Kiwis like better than spending summer outdoors; at the beach, the Bach, or by the BBQ. And summer’s a great time for getting things done around the home too, with the fine weather an added incentive to get out and tackle the garden and those DIY jobs you’ve put off all winter. But before you head out, here are some safety reminders and our top tips for a super safe summer in New Zealand.

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Topics: Health Insurance, Health and Wellbeing, COVID-19

What to Look For in a Property Manager

Nov 17, 2021 2:02:15 PM

It can be tempting to go it alone when renting out an investment property. But when things go wrong, it’s easy to see why enlisting the services of a property manager pays dividends! If you’re in the process of choosing a property manager – or you’re still debating whether to hire a property manager to take care of your rental property, here are 5 important qualities to look out for in a property manager.

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Topics: Mortgage Advisers, Investment Property, Financial Advice

Moving Costs When Buying a New Home and Selling Your Existing Home

Nov 17, 2021 1:55:34 PM

When you buy a new home, there are a few extra costs that you’ll have to think about over and above your mortgage, insurance, maintenance and repairs. Often these less-obvious costs of moving home take some homeowners by surprise. Planning a moving budget is a good way of determining how much you need to spend and where you could cut costs. To help you get started, here are some of the costs to consider when buying a new home and selling your existing home.

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Topics: Mortgage Advisers, First Home Buyer, Financial Advice

Pitfalls to Avoid When Buying off the Plan

Nov 2, 2021 11:06:26 AM

Buying off the plan is an appealing option for many first home buyers. As well as a fixed price, homes are built to modern standards with heating and insulation, and typically require far less maintenance once completed. But buying off the plan is not without risk and there are a few potential pitfalls to look out for. Here’s an outline of some of the things to check before you buy a home off the plan.

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Topics: Mortgage Advisers, First Home Buyer, Financial Advice

Is Life Insurance Really Worth The Cost?

Oct 29, 2021 4:24:28 PM

Whether or not life insurance is something you decide to add to your financial plan will largely depend on your current financial and personal situation. And while it may be hard to imagine anything going wrong while we’re fit and healthy, it’s still important to think about what would happen if you were unable to earn a living. How would those who rely on you survive financially? In this article, we’ll look at 5 reasons why we believe life insurance is worth the cost.

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Topics: Insurance Advisers, Financial Health, COVID-19

Can I get a home loan if I’m self-employed?

Oct 19, 2021 2:11:23 PM

For most Kiwis, applying for a home loan is fairly straightforward. But for those who are self-employed, running their own business, or working as a freelancer or contractor, applying for a home loan can be a little more complicated. That doesn’t mean it’s impossible, it just takes a little extra work. If you’re in the market to buy your first home and you’re self-employed, here is a guide to some of the things you’ll need to think about.

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Topics: Insurance Advisers, Financial Health

Why Use a Mortgage Adviser When You Already Have a Home Loan?

Oct 19, 2021 2:04:51 PM

When it comes to getting a mortgage, many home buyers choose to work with a mortgage adviser rather than going direct to the bank. That’s because there are several benefits to working with a mortgage adviser. But it’s just not in the home buying process that mortgage advisers offer knowledgeable guidance and advice: even when you already have a home loan, there are instances where it’s worthwhile using a mortgage adviser.

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Topics: Insurance Advisers, Financial Health

5 Insurance Mistakes Many Kiwis Make (and how to avoid them)

Sep 28, 2021 3:53:35 PM

Insurance is something many of us don’t think too much about. Often, it’s only as a result of an event that we even consider buying insurance. Like when we get a mortgage, start a family, or lose someone we love. The fact is, buying insurance isn’t always a simple purchase and there are a few things that can go wrong. If you’re reviewing your insurance options, look out for these five insurance mistakes that many Kiwis make, and consider how to avoid them.

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Topics: Insurance Advisers, Financial Health

5 Things to Consider When Building a New Home

Sep 28, 2021 3:42:25 PM

Choosing to build a new home can be an effective option for first home buyers who want to get a foot onto the property ladder. Because it can be daunting trying to navigate the new build process for the first time, it’s helpful to have a heads up about what to expect. Like how long it should take, what to think about in terms of design, and how to find a builder. To help you get started, here are 5 things to consider when building a new home.

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Topics: Building, Construction Loan