3 Questions to Ask Your Mortgage Adviser Today

Feb 22, 2021 8:53:55 AM

As the link between lenders and borrowers, mortgage advisers help their clients identify the right home loan with interest rate and terms to fit their financial situation. With access to a panel of lenders, they can shop around for the borrower and match them up with the right lender. If you haven’t already worked with a mortgage adviser, and you’re unsure just how they can help you, start by asking your mortgage adviser these three questions.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Improve Your Credit Score

Feb 13, 2021 1:54:17 PM

Your credit score is more important than you might think. Not only when it comes to applying for a mortgage or personal loan, but even when opening new bank accounts, utilities, or applying for insurance or car finance. How you spend and repay your debt directly affects your credit score. And every time you apply for credit, lenders use your credit score to decide whether or not to lend to you. Here’s how to improve your credit score.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

All You Need to Know About Bad Credit Home Loans

Feb 12, 2021 1:49:14 PM

Stuck with a low credit score and now struggling to get mortgage finance? The fact is a low credit score can have a negative impact on your home loan application. But it’s not all bad news. For those with a bad credit history, there are still financial options available with access to competitive mortgage rates. Read on to find out all you need to know about bad credit home loans.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Keeping Your Home Cool This Summer

Jan 20, 2021 1:16:01 PM

Summertime sunshine quickly becomes unpleasant when your home feels like the inside of an oven! The fact is most older-style homes in New Zealand weren’t built with ventilation or cooling in mind. Which means they can feel stifling hot during the summer months. To help you stay cool without relying on an aircon, try some of these cooling tips inside your home this summer.


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Topics: Home Loan, Health and Wellbeing, Buying and Selling Property

A Guide to Buying at Auction

Jan 19, 2021 1:10:26 PM

When it comes to buying property in New Zealand, many people find the auction process quite daunting. Being prepared by attending several auctions before you bid and doing your research can help you feel more confident. As property sales by auction are unconditional, so there are a few important steps you’ll need to take before bid. If you’re new to the auction process, and unsure where to start, check out this handy guide.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Building New: House and Land vs. Construction Loan

Jan 15, 2021 1:38:00 PM

As house prices across New Zealand continue to rise, many first home buyers are turning to new builds as a way of getting onto the property ladder. But financing a new build is a little different to a regular mortgage on an existing property. To help you understand your options when it comes to building a new home, here is an outline of the things to look out for in a house and land turnkey package vs. a construction loan.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

How to Pay Off Your Mortgage Faster

Jan 11, 2021 1:35:35 PM

At the start of a new year, many people commit to doing things a little differently in the year ahead by setting New Year’s Resolutions. Often these New Year’s Resolutions centre around saving more or spending less. If you’re committed to improving your financial situation this year, why not start with these tips to help you pay off your mortgage faster.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Bank said no? Here's what to do...

Aug 26, 2020 10:26:30 AM

When it comes to applying for a home loan, not everyone ticks the boxes with a lengthy permanent employment, more than 20 per cent deposit, and an impeccable credit history. But that doesn’t mean you have to miss out. Fortunately there are a range of lenders who will still consider applications even if you’re not the ideal borrower. Read on to find out what to do if the bank says no.


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Topics: Home Loan, First Home Buyer, Home Loan Advice, Mortgage Advice, Home Loan Application

What should you do if the bank says no to your home loan application

May 22, 2020 7:32:28 AM

When it comes to applying for a home loan, not everyone ticks the boxes with a lengthy permanent employment, more than 20 per cent deposit, and an impeccable credit history. But that doesn’t mean you have to miss out. Fortunately there are a range of lenders who will still consider applications even if you’re not the ideal borrower. Read on to find out what to do if the bank says no.


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Topics: Home Loan, First Home Buyer, Home Loan Advice, Mortgage Advice, Home Loan Application

Fixed, Variable and Split loans: What’s right for you?

Mar 11, 2020 11:01:28 AM

There’s no better time than right now to review your home loan structure and mortgage interest rates. Time to tidy up those external debts, refinance to a better interest rate, or refinance to release equity to fund that new car, boat or investment property. If you’re not sure what repayment structure works best for you, here’s a guide to understanding the different types of loans.


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Topics: Interest Rates, Home Loan, First Home Buyer, Variable Interest Rate, Fixed Interest Rate, Home Loan Advice, Mortgage Advice