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

How is your KiwiSaver performing?

Dec 13, 2017 9:56:47 AM

Tracking your KiwiSaver’s performance is an important part of managing your investment. With a range of providers and funds to choose from, even the smallest difference in annual earnings can quickly add up to a significant amount. To get the most out of your fund, it’s important you review your KiwiSaver at least every year.


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Topics: Kiwisaver, LVR, new zealand property, new zealand real estate, first home buyer, mortgage adviser

A change to LVRs

Dec 13, 2017 9:48:51 AM

From January 2018, the Reserve Bank is easing lending restrictions for home buyers and property investors. In place since 2013, LVRs were introduced to help slow rapid house price inflation and rising household debt. While only an incremental change has been confirmed, it’s likely to have a positive impact on first home buyers.


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Topics: LVR, new zealand property, new zealand real estate, first home buyer, mortgage adviser

Making your home loan work for you

Oct 13, 2017 10:23:08 AM

When it comes to choosing a home loan, interest rate is not the only thing to consider. Loan features – like the ability to make extra repayments, a line of credit, an off-set account, or repayment holidays – are just as important. To help you understand what features you could be offered by your lender, we’ve outlined some of the more popular options.


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Topics: LVR, Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage stress, low equity margin, LEM, loan to value ratio

NZ Property Market, post-election

Oct 12, 2017 11:36:00 AM

The 2017 New Zealand election may be out of the way but its impact is still being felt in the NZ property market. Uncertainty continues to weigh in with spring sales noticeably lower than previous years. Nationwide residential property values rose for September, although a much smaller increase was recorded in the Auckland region. Read on to find out how New Zealand’s property market is expected to perform, post-election.


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Topics: LVR, Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage stress, low equity margin, LEM, loan to value ratio

Low Equity Margin

Oct 9, 2017 11:36:00 AM

Changes to the Loan to Value Ratio (LVR) and an overall tightening up on low deposit lending has seen banks and lenders charge a number of additional fees to borrowers with less than a 20% deposit. One of these fees is a Low Equity Margin (LEM); a percentage added to your interest rate that remains there until your loan reduces to the 80% threshold. As a borrower, it’s important you’re clear on exactly how this fee is charged.


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Topics: LVR, Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage stress, low equity margin, LEM, loan to value ratio

Managing Mortgage Stress

Oct 6, 2017 11:28:10 AM

Despite record low interest rates, more and more homeowners are struggling to meet their home loan repayments and are experiencing “mortgage stress”. Even the slightest increase in interest rates could leave these homeowners vulnerable and unable to repay their mortgage. Let’s take a look at what “mortgage stress” is and how you as a homeowner can deal with it.


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Topics: Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage stress

Mortgage Traps: What to look out for

Sep 21, 2017 8:19:22 AM

Finding the right home loan isn’t as easy as it sounds. With so many mortgages on offer – each with its own conditions, terms, features and rates – it can start to feel like you’re navigating a mine field. To help you avoid a potentially costly mistake, here are some of the mortgage traps you need to look out for when choosing the right home loan.


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Topics: Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, house sales, mortgage ready, property sales, mortgage traps

Rentvesting: a property investment strategy

Sep 19, 2017 5:15:15 AM

It’s the latest buzzword in the property industry: Rentvesting. Renting where you want to live, buying where you can afford to. And it’s proving a popular option, particularly amongst younger first home buyers who are keen to invest in their future without foregoing their lifestyle. So, what are the benefits of rentvesting and is it for everyone? Read on to find out.


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Topics: Mortgage, new zealand property, new zealand real estate, first home buyer, buying property, Second Home, family trust, house sales, mortgage ready, property sales, rentvesting