Helping Clients Reach Their Property Goals

Feb 12, 2024 1:25:32 PM

‘It will all work out’ – How one mortgage adviser's trust in the journey has helped her clients reach their destination...

Annabelle (Belle) Lewis’ start to the financial advising industry was a unique one. Originally, she had planned to have a career in political science, but merely three weeks after graduating with a master’s degree in international relations and diplomacy, the overarching Covid pandemic hit, leaving her with little to no job prospects. In such a competitive industry, instead of letting the pandemic ruin her career plans, Belle strategically pivoted, and decided to focus her efforts on starting a career in financial advising.


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Topics: Mortgage Advisers, Home Loan, Health and Wellbeing

8 Home Buying Myths Busted

Nov 24, 2023 1:52:00 PM

First home buyers navigating the dynamic New Zealand property market often face a plethora of myths and misconception. In a property market where factors such as location, demand and economic conditions play a crucial role, it’s essential to debunk these myths and help home buyers make informed decisions about home ownership. Read on as we set the record straight, by busting these 8 common myths surrounding home buying in New Zealand.


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Topics: Home Loan, First Home Buyer, Buying and selling, Deposit Options

Unlock Your Home Loan's Potential: Offset Account vs. Redraw Facility

Sep 12, 2023 11:21:10 AM

When it comes to managing your mortgage, there are some home loan features that have a significant impact. From reducing interest charges to accessing extra repayments, offset accounts and redraw facilities are two home loan features that can save you money and provide greater flexibility. Understanding how each of these works – as well as their benefits and drawbacks – can help you make an informed decision about which home loan features are right for you.


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Topics: Home Loan, Home Loan Advice, Mortgage Advice

Get Home Loan Ready in 2023

Dec 13, 2022 11:49:24 AM

First home buyers in New Zealand face more challenges than ever when it comes to buying a first home. House prices remain largely unaffordable for many, while higher interest rates and the high cost of living further impacts housing affordability, leaving many first home buyers with a much smaller budget. If you’re considering applying for a mortgage in 2023, here are some insights that could help you get home loan ready in the new year.


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Topics: Home Loan, Financial Health, First Home Buyer, mortgage adviser

How to Use KiwiSaver Savings When Buying Your First Home

Nov 17, 2022 9:47:54 AM

KiwiSaver is an important source of finance for those who intend to use their KiwiSaver savings towards buying a first home. Thousands of Kiwis are using their KiwiSaver funds for their first home. If you’re a first home buyer considering KiwiSaver Withdrawal, here are four things to consider when wanting to use your KiwiSaver savings towards your first home deposit.


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Topics: Home Loan, mortgage adviser, Kiwisaver withdrawal

Split Your Home Loan to Spread Your Risk

Nov 11, 2022 3:17:13 PM

Homeowners in New Zealand are being warned to prepare for more interest rate shocks, as the Reserve Bank of New Zealand lifts the OCR to get the high cost of living under control, and lenders follow with interest rate hikes. For borrowers who are concerned about the prospect of higher mortgage repayments, splitting their home loan could help spread their risk. Here are some guidelines on what to consider when deciding how best to split your mortgage.


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Topics: Home Loan, Financial Health, mortgage adviser

10 Good Reasons to Use a Mortgage Adviser

Aug 24, 2022 3:42:38 PM

Mortgage advisers account for close to half of all mortgages written in New Zealand, and it’s not hard to see why. With benefits that include time and money saving, more choice of home loan products, and ongoing guidance even after home loan approval is secured, working with a mortgage adviser can help alleviate a significant amount of stress for borrowers. Read on to find out 10 good reasons to use a mortgage adviser.


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Topics: Interest Rates, Home Loan, mortgage adviser

Home Loan Basics for First Home Buyers

Aug 15, 2022 1:19:55 PM

As first home buyers, it can be difficult to understand the different types of home loans (mortgages) and how they work, never mind deciding which type of home loan is right for you! Some home loans are best for borrowers looking for flexibility, others are more suited to those requiring certainty. In this home loan basics for first home buyers’ guide, we’ll take a look at six types of home loans available in New Zealand, and outline some of the pros and cons of each.


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Topics: Home Loan, First Home Buyer, mortgage adviser

How to Structure Your Mortgage

Aug 15, 2022 1:13:41 PM

Deciding whether to fix, float or use a combination of mortgage strategies is a tough decision to make, especially in a fluctuating interest rate environment. But ultimately, it will depend on your financial situation and where you see interest rates landing over the next few years. While there are some advantages to each of these mortgage strategies, there are disadvantages too. Here are some things to consider when choosing a mortgage strategy that’s right for you.


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Topics: Home Loan, mortgage adviser, Mortgage Advice

Preparing Your Finances to buy a First Home

Mar 11, 2022 11:51:52 AM

Saving a deposit is just one of the many hoops that first home buyers need to jump through when buying a first home. With recent changes to lending regulations, requiring borrowers provide more detail and evidence around income and expenses when applying for a home loan, it’s more important than ever to ensure your personal finances are in good order. So to help you get started, here are our tips for preparing your finances to buy a first home.


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Topics: Home Loan, Financial Health, First Home Buyer