October 2018 – December 2018
MORTGAGE EXPRESS

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Topics: Award Winners, Quarterly Region Awards

Renovating a rental property can be a costly exercise but making improvements to the property can yield a healthy return. To ensure you’re maximizing your investment, it’s important not to overcapitalize, to stick to your budget, and to use durable products and materials. If you are considering renovating your rental property, ask yourself these 3 questions first.

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Topics: Property Investment, Rental Property, Investment Property, Renovations, Home Renovations, NZ Mortgage Adviser, Rental Property Renovations

It’s no surprise that more and more astute investors are turning to property as a way to grow capital. Like all investments though, buying an investment property takes careful research so you know what you’re getting into and what the pitfalls are to avoid. To help you stay on top of the property investment game, here are 3 common mistakes to avoid.

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Topics: Property Investment, Rental Property, Investment Property, NZ Mortgage Adviser, Home Buying Traps, Buying a home

Owning an investment property has long been a part of the Kiwi dream. For many first-home buyers, buying a smaller rental property in a cheaper area can be just what they need to get a foot onto the property ladder. For savvy investors, it’s an opportunity to generate wealth. But before you jump in head first into property investment, take a look at these 3 simple steps to get you started.

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Topics: Property Investment, Rental Property, Investment Property, NZ Mortgage Adviser, Home Buying Traps, Buying a home

If you’re serious about investing in property and making your investment work for you, it’s worthwhile engaging a professional property manager from Harcourts to take care of the day to day details of your rental property. A Harcourts property manager will help you attract and keep good tenants. But that’s not all they do. Take a look at these 5 good reasons to use a Harcourts property manager.

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Topics: Property Management, NZ Mortgage Adviser, Property Manager, Home Loan Advice, NZ Property Manager

Have you ever thought about what would happen to your family home if you were no longer able to meet your mortgage repayments? The fact is, many homeowners are just one pay check away from losing their home. Mortgage Protection Insurance covers your mortgage repayments when you can’t: in the case of a major illness, redundancy or even death. Here’s what you need to know.

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Topics: Insurance, Home Loan Protection Plan, Home Loan Advice, Mortgage Protection Insurance, Home Loan Insurance

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 rates, Variable versus Fixed, Variable Interest Rate, Fixed Interest Rate, Home Loan Advice

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 Debt, Christmas spending, Debt-free, Mortgage-free

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

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