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

Helping your kids onto the property ladder

May 11, 2018 11:47:30 AM

Despite a slowdown in property price increases, many first home buyers are still struggling to get a foot onto the property ladder. Which is why they’re turning to the bank of mum and dad for help. Is this a viable solution or are we just shifting the problem? Find out more about helping your kids onto the property ladder.


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Topics: Retirement, Debt Consolidation, Mortgages, Savings, first home buyer, Bank of mum and dad

Inspiring Good Saving Habits

May 11, 2018 11:39:15 AM

Most of us are aware of the importance of saving: Saving for a first home, saving for a holiday, saving for retirement. But how often does that message filter through to our children? Experts say it’s never too early to start talking to children about money, and this amazingly simple formula could help kickstart their good saving habits.


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Topics: Retirement, Debt Consolidation, Mortgages, Savings, first home buyer

2018: A year of change for the NZ property market

Jan 23, 2018 2:44:05 PM

As Auckland’s housing market continues to grow, albeit at a much slower rate, a major bank has forecast a decrease in house prices across New Zealand over the next four years. New Zealand’s labour-led government policies kick in this month, and an easing up of LVR restrictions could be just the boost first home buyers need. Take a look at some of the property market changes you could expect in 2018.


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Topics: Credit Card Debt, Debt Consolidation, Debt, new zealand property, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget, NZ Property Market

Coping with a Christmas debt hangover!

Jan 23, 2018 2:38:25 PM

There’s no doubt that Christmas can be an expensive time. Family holidays, costly Christmas gifts, and maybe even a little something for yourself. Unfortunately, in January when the credit card bills start rolling in, reality hits many people. To help you overcome a Christmas debt hangover, we’re sharing our new year budgeting tips.


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Topics: Credit Card Debt, Debt Consolidation, Debt, new zealand property, new zealand real estate, mortgage stress, mortgage adviser, Budgeting, 2018 budget

Top tips for your 2018 budget

Jan 23, 2018 9:42:13 AM

If you haven’t already given much thought to budgeting for the year ahead, now’s a good time to start. Having a budget can help you reduce overspending, help you save more, and ensure you avoid situations where unplanned expenses drive you into debt. To help you plan a more financially secure 2018, here are our top budgeting tips.


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Topics: Debt Consolidation, new zealand property, new zealand real estate, mortgage adviser, Budgeting, 2018 budget

Would Debt-to-Income restrictions solve the housing problem?

Jul 17, 2017 9:00:00 AM

Earlier in June 2017, the Reserve Bank released a consultation paper on setting restrictions that would limit the amount buyers could borrow for their mortgage based on their income. If these measures are deployed, it’s estimated around 2,000 owner-occupiers and 9,000 investors a year would effectively be cut out of the property market. Would this solve New Zealand’s housing problem? Read on to find out more.


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Topics: Debt Consolidation, Debt to Income Ratio, new zealand property, new zealand real estate, first home buyer

All about debt consolidation

Nov 21, 2016 6:00:00 AM

Does it feel as if you can’t keep track of all of your debt? Are you missing repayment dates? Do you need help reducing your debt? If you need to take control of your debt, a debt consolidation loan may be the answer.

While it may feel a little like you’re simply moving your problem to another loan, a debt consolidation loan can help simplify your repayments and can even help reduce your debt over time. To help you decide whether or not a debt consolidation loan is the right decision for you, here are a few things you need to know.


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Topics: Finance, Debt Consolidation