3 Simple steps to paying off your mortgage faster

Apr 15, 2019 9:12:11 AM

For many young people, owning a home can seem like an unattainable goal. Paying off the mortgage and getting debt-free, even more impossible. But being mortgage-free needn’t be an impossible dream: If you’re serious about shaving off thousands of dollars of interest from your mortgage and paying your mortgage off faster, start with these 3 simple steps.

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Topics: nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Debt-free, Mortgage-free, Mortgage Advice

Mortgage Rates Continue to Drop

Apr 15, 2019 8:55:21 AM

The heated mortgage battle amongst home loan providers could get even more interesting, as economists now believe the Official Cash Rate could be cut as soon as May or August 2019, and interest rates could start to fall in August this year. This follows comments made by the Reserve Bank of New Zealand at the end of March 2019. A home loan review could help you decide whether refinancing is the right option for you.

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Topics: Interest Rates, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Terms, Mortgage Advice, First time homeowner

5 Tips for a Home Loan Application With Credit Issues

Mar 20, 2019 9:29:06 AM

If a bad credit rating is making it hard for you to get a home loan, it doesn’t mean you need to shelve your home ownership dreams. Credit history can be affected by several factors including missing payments and late payments. Take a look at these five tips to help you get on top of the credit issues that could be impacting your home loan application.

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Topics: Credit Check, credit score, Bad Credit Home LOan, Bad credit, NZ Mortgage Adviser, Home Loan Advice, Low Doc Home Loan

What is a Reverse Mortgage?

Mar 20, 2019 9:22:34 AM

If you need to free up a little cash as you head into retirement, a reverse mortgage could be the solution. A reverse mortgage lets you mortgage your property so you can access your equity with no repayments required until you move out. For many retirees, a reverse mortgage offers financial security to cover those unexpected expenses – like home repairs or major surgery – without having to sell the family home. Read on to find out more about a reverse mortgage.

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Topics: Retirement, Home Equity Loans, reverse mortgage, NZ Mortgage Adviser, Home Loan Advice

First Home Buyer’s FAQ

Mar 20, 2019 9:15:47 AM

Buying your first home is one of the biggest investments you’ll ever make so it’s understandable you may be feeling a little overwhelmed. Before stepping onto the property ladder, it’s essential you do your homework and properly prepare for the journey ahead. To help you avoid any nasty surprises, we’re sharing the questions most first home buyers ask as well as our advice and recommendations.

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Topics: Kiwisaver, First Home, first home buyer, NZ Mortgage Adviser, Home Loan Advice, HomeStart Grant, First time homeowner, Kiwisaver withdrawal

Divorce and Your Home Loan

Mar 20, 2019 9:11:39 AM

Separation or divorce can be a messy time, particularly when it comes to dividing your assets and the family home. If you are going through a divorce or separation, it’s vital you take stock of your day-to-day finances and work out a long-term plan to ensure you’re set up for a financially secure future. To help you get started, ask yourself these 3 questions.

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Topics: Home Equity, separation, divorce, NZ Mortgage Adviser, Home Loan Advice

5 Good Reasons to Use a Harcourts Property Manager

Feb 19, 2019 7:41:55 AM

If you’re serious about investing in property and making your investment work for you, it’s worthwhile engaging a professional property manager from Harcourts to take care of the day to day details of your rental property. A Harcourts property manager will help you attract and keep good tenants. But that’s not all they do. Take a look at these 5 good reasons to use a Harcourts property manager.

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Topics: Property Management, NZ Mortgage Adviser, Property Manager, Home Loan Advice, NZ Property Manager

Mortgage Protection Insurance

Jan 21, 2019 9:40:18 AM

Have you ever thought about what would happen to your family home if you were no longer able to meet your mortgage repayments? The fact is, many homeowners are just one pay check away from losing their home. Mortgage Protection Insurance covers your mortgage repayments when you can’t: in the case of a major illness, redundancy or even death. Here’s what you need to know.

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Topics: Insurance, Home Loan Protection Plan, Home Loan Advice, Mortgage Protection Insurance, Home Loan Insurance

Is your home loan competitive?

Jan 10, 2019 11:19:20 AM

It’s a good idea to review your mortgage from time to time, and particularly so if your fixed term ends soon. A mortgage review is a chance to check things like the level of interest you’re paying, whether you’re still getting the best deal, and if your mortgage is structured to suit your lifestyle. Take a look at some of the other benefits of a mortgage review.

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Topics: Home loan rates, Variable versus Fixed, Variable Interest Rate, Fixed Interest Rate, Home Loan Advice

Advice for Young Property Investors

Aug 13, 2018 10:16:51 AM

Getting a foot onto the property ladder is certainly no easy feat, and it’s easy to see why many young people simply give up their dreams of home ownership. But the fact is, the rewards of property investment ultimately outweigh the effort. To help you get started in your property investment journey, here is our advice for young property investors.

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Topics: Finance Update, Mortgages, NZ Property, finance health check, NZ Property Market, lending options, NZ Mortgage Adviser, Financial Advice, Home Loan Advice