Applying for a home loan when you’re self-employed – or have contract or seasonal work – can be tricky. But the good news is, there are still options available to you: A low-doc home loan allows self-employed business owners to apply for a home loan from a non-bank lender with minimal income verification. Read on to find out more about buying a home when you’re self-employed.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Low Doc Home Loan, Small Business Lending, first home buyer
As a small to medium sized business owner, you may already have experienced the complexities that come with securing a business loan or funding for your business. Mountains of paperwork and number-crunching are usually followed by an endless wait on your lender’s decision. But the process needn’t be such an ordeal.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Small Business Lending, Business Finance
Buying off the plan is becoming an increasingly popular option for good reason. As well as getting a brand new home, you’re also buying at a set price and usually only need a small deposit. However, if you do decide to go down this route, it’s vital you go in with your eyes wide open. Here are some of the things you need to think about when buying off the plan.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Information on buying and selling, house sales, Buying Off-The-Plan, Buying Off-Plan
It’s not a subject most people enjoy talking about, but it’s an important one none-the-less. Writing a will ensures your assets are distributed as you would want them. When someone passes away without a will, the law determines how their assets are divided regardless of what they or their family want. Here’s what to think about when writing a will.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Writing a Will
The latest figures are out and they’re daunting to say the least! According to real estate statistics website One Roof, first home buyers in Auckland need to earn at least three times the median income in order to buy property. That’s a whopping $241,200 annually per household! So, how do you get a foot on that elusive property ladder? Here are a few options.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Information on buying and selling, first home buyer, Kiwisaver, Welcome Home Loan, HomeStart Grant
There’s a growing concern amongst economists that Kiwis are financially ill-prepared for the worst. And, as a country with one of the lowest spends on insurance, it’s not hard to see why. We share some of the steps you can take starting today to better position yourself for tough times ahead.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Real Estate Agents, Information on buying and selling, house sales, financial review, Financial Health
A worthwhile read! And while the article focuses on the importance of having a will, it also points to the need for adequate planning around risk protection and more importantly the Enduring Power of Attorney. If you'd like financial advice or a review of your situation, get in touch with our team of mortgage advisers.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property
When selling a property, one of the most important steps is generating interest, and the best way to do this is through a focused marketing campaign. A strong marketing campaign will help you sell your property in the shortest amount of time, for the best price, with the least amount of aggravation. Here are our tips to help get you started.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, Real Estate Agents, Information on buying and selling, house sales
Getting a foot onto the property ladder is certainly no easy feat, and it’s easy to see why many young people simply give up their dreams of home ownership. But the fact is, the rewards of property investment ultimately outweigh the effort. To help you get started in your property investment journey, here is our advice for young property investors.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, lending options, finance health check, Finance Update, Financial Advice, Home Loan Advice
If you haven’t already worked with a mortgage adviser, you may be wondering why you should consider doing so. Why not go directly to the lender instead? Aside from the obvious – having someone else do the legwork for you – there are several other benefits to working with a mortgage adviser. Take a look at what these are.
Topics: Mortgages, NZ Mortgage Adviser, NZ Property Market, NZ Property, lending options, finance health check, Finance Update
