Big Changes and More Opportunities for First Home Buyers

May 27, 2022 10:20:05 AM

In its latest budget (May 2022), the New Zealand Government announced a raft of changes that would help more first home buyers get into their own homes. In addition to house price caps being removed from the Government's First Home Loan scheme, and the introduction of a single earner with dependent category, the First Home Grant house price caps are also increasing to be more aligned with lower quartile market values for new and existing properties. Here’s more on what first home buyers can expect.

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Topics: Mortgage Advisers, First Home Buyer, Home Loan Rates

Types of home loans in NZ

Nov 16, 2019 3:14:00 PM

Choosing the right home loan to fit your lifestyle and your needs can be a challenge, especially if you’re new to the property market and you don’t have a good understanding of how home loans are structured. To help you better understand the different types of home loans as well as the pros and cons of each, we’ve created a handy guide that takes you through each option.

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Topics: NZ Finance, Home Loan Rates, NZ Mortgage Adviser, Home Loan Advice, Welcome Home Loan, Low Doc Home Loan, Home Loan Application

Is your home loan competitive?

Jan 10, 2019 2:19:20 PM

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

Non-bank lending options

Feb 14, 2018 11:00:00 AM

Choosing a mortgage involves a great deal more than simply approaching your bank for a loan. Shopping around both bank and non-bank lenders is an important part of the process which, regrettably, too many Kiwis neglect to do. It’s true that non-bank lenders haven’t always enjoyed the best reputation, but more and more home buyers are discovering just how effective this type of lending can be, particularly when banks say no.

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Topics: Home Loan, new zealand real estate, nz mortgage, mortgage stress, mortgage adviser, Home Loan Rates, non-bank lender, lending options