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

May 22, 2020 9:32:28 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

Downsizing your home to fit your lifestyle

Mar 13, 2020 7:51:27 AM

There comes a point in most people’s lives when downsizing the family home makes good financial sense. Ongoing maintenance, empty bedrooms and costly monthly bills can make you seriously think about selling your existing home and finding something smaller or easier to maintain. Whether you’re an empty nester or just looking to get into a smaller apartment in the city, here are our tips for making those key downsizing decisions.


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Topics: Retirement, Smaller Property, downsizing your home, Home Loan Advice, Mortgage Advice

3 Tips for buying your first home

Mar 12, 2020 2:07:08 PM

Buying a home is for many New Zealanders a rite of passage and a significant milestone. But it can also be an overwhelming process and incredibly challenging if you don’t know where to start. So that you can navigate the home buying process from start to finish, and make informed decisions along the way, we’ve compiled 3 useful tips for first home buyers.


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

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

Mar 11, 2020 2:01:28 PM

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

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

Feb 19, 2020 9:25:00 PM

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

3 Ways to cure your Christmas debt hangover

Jan 14, 2020 10:59:00 AM

New Zealanders spent over half a billion dollars over the 2019 Christmas period; a whopping $533 million of which was paid for on credit. As the credit card bills begin to arrive, many people are left with the regret of overspending. If the cost of Christmas has rolled into the new year and you’re facing a Christmas debt hangover, we have some tips to help you clear your debt.


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Topics: NZ Finance, Financial Health, Christmas Debt, Christmas spending, Financial Advice, Home Loan Advice

Setting your financial goals for 2020

Jan 9, 2020 10:50:08 AM

Most of us have the best intentions come the start of a new year but the reality is, those intentions typically fade by February. Whatever your plans are for 2020, it’s a good idea to set your financial goals too. Setting your financial goals down in writing is a big part of their success. To get your finances on track for 2020, here are 5 goals you could consider setting yourself.


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Topics: NZ Finance, Financial Health, Financial Advice, Home Loan Advice, Finance Goals

When to refinance your mortgage

Dec 11, 2019 11:20:19 AM

Refinancing your mortgage could help you secure better interest rates, reduce the term of your loan, and even strengthen your overall financial position. Deciding when to refinance depends on several factors and there are many instances where property owners refinance for reasons other than just the interest rate. Take a look at when you could consider refinancing your mortgage.


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Topics: Refinancing Options, NZ Finance, Home Loan Advice, Refinance

How to get debt-free faster

Dec 11, 2019 8:38:00 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

Building wealth through property investment

Dec 10, 2019 8:30:59 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