Helping your kids buy a house

Aug 31, 2020 1:10:03 PM

With the rising cost of property across New Zealand, it’s not surprising that so many parents are having to help their grown-up children buy property. In fact, it’s estimated that the “Bank of Mum and Dad” is the sixth largest lender when it comes to mortgage lending in New Zealand. While bank lending requirements have made it harder for first-home buyers to use their parent’s help to get onto the property ladder, there are still a few ways you as a parent can help.


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Topics: NZ Mortgage Adviser, Home Loan Advice, Buying and Selling Property

Understanding Property Valuations

Aug 26, 2020 10:27:03 AM

Whether you’re buying or selling, determining the value of a property is an important step in the process. A property valuation – an assessment of a property’s market worth – can help you set a realistic sale price when you’re selling and be a valuable tool when it comes to negotiating a purchase price when you’re buying. Here is a guideline to understanding property valuations.


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Topics: NZ Finance, property value, Home Loan Advice, Property Valuation

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

Buying and selling at auction

Aug 26, 2020 10:26:14 AM

Across New Zealand, auctions are a popular method for both buying and selling property. But an auction can seem daunting, particularly if you’re a first home buyer or new to the auction process. Don’t be put off though as there are many advantages for both buyer and seller. In this month’s property article, we’re sharing some of Harcourts New Zealand’s tips to buying and selling at auction to ensure you’re successful.


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Topics: Selling At Auction, Selling My House At Auction, NZ Finance, Auction, Home Loan Advice, Buying at auction

A step by step guide on buying your first home

Jul 21, 2020 6:20:01 PM

Buying a first home is a big decision; quite possibly, the biggest one you’ll ever make. Which is why it pays to understand exactly what you’re getting yourself into. To ensure you’re armed with the right information so you can make good decisions about your financial future, here is a step by step guide to buying your first home.


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Topics: NZ Finance, NZ Mortgage Adviser, Home Loan Advice

Helping your kids buy a home

Jun 15, 2020 8:58:32 AM

With the rising cost of property across New Zealand, it’s not surprising that so many parents are having to help their grown-up children buy property. In fact, it’s estimated that the “Bank of Mum and Dad” is the sixth largest lender when it comes to mortgage lending in New Zealand. While bank lending requirements have made it harder for first-home buyers to use their parent’s help to get onto the property ladder, there are still a few ways you as a parent can help.


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Topics: Pre-approvals, NZ Finance, NZ Mortgage Adviser, Bank of mum and dad, Guarantor, Home Loan Advice, Buying property in New Zealand

Building wealth through property investment

Jun 15, 2020 8:39:46 AM

Property investment in New Zealand has seen some phenomenal growth over the last few years and it’s easy to see why. Regular rental income, outstanding capital gains and a sizeable nest egg for retirement are just some of the benefits property investors in New Zealand can enjoy. Before you jump in though, here are some things to consider.


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Topics: Property Management, Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Home Loan Advice, Investment Finance, Property and Investments, mortgage review

5 First home buyer mistakes to try an avoid

May 22, 2020 7:40:28 AM

When buying your first home, it’s easy to get swept up in a whirlwind of excitement and make mistakes that could end up costing you later on. Even if you’ve done your research and have a good understanding of the property market, there’s a lot to take in and to think about. Here are 5 first home buyer mistakes to avoid.


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Topics: nz mortgage, First Home Buyer, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, First time homeowner

Ways to get debt-free faster

May 22, 2020 7:37:19 AM

There’s no worse feeling than trying to pay down debt that is quickly spiralling out of control. If you’re feeling overwhelmed by the amount of debt you have, there is a solution. Take control of your money and secure a more stable financial future with these 5 strategies that can make paying off your debt faster and a lot less painful.


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Topics: Debt Consolidation, NZ Finance, Christmas Debt, Home Loan Advice, Debt-free

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.


Read more

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