We're here to help you...

Mar 27, 2020 7:39:41 AM

Mortgage Express will continue to serve our customers during this difficult period. With 50 mortgage and insurance advisers located throughout New Zealand, we are committed to helping you manage your finances in these unprecedented times. We can meet you online and talk through your financial options so that you have a clear path ahead for the uncertain future. If you have any questions or concerns, get in touch with our team today.

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Topics: Credit Card Debt, Debt Consolidation, Household Debt, Mortgage Advice, Financial Hardship

Mortgage Express: What we can do to help with financial hardship

Mar 22, 2020 9:05:11 PM

Financial hardship can happen to anybody, at any time and has many causes. As the evolving challenges and restrictions related to the COVID-19 virus are ever changing, it would be fair to say that life can be unpredictable and situations are sometimes outside of your control.

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Topics: Credit Card Debt, Debt Consolidation, Household Debt, Mortgage Advice, Financial Hardship

Downsizing your home to fit your lifestyle

Mar 13, 2020 4:51:27 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 11:07:08 AM

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: First Home, first home buyer, buying property, Tips for buying, Home Loan Advice, Mortgage Advice

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

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

Feb 19, 2020 6:25:00 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

Why shop around for a mortgage?

Jan 16, 2020 8:12:00 AM

Shopping around for a mortgage can seem like a daunting process. But the fact is, if you don’t shop around and you simply apply for a loan from your everyday bank, you could be doing yourself a major disservice and you could be missing out on some serious deals. If you’re looking for a new mortgage or you’re considering refinancing, here are the reasons why it pays to shop around.

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Topics: Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Financial Advice, Mortgage Advice

Protecting you and your home

Jul 31, 2019 8:12:00 AM

New Zealand is one of the least insured nations in the developed world according to research by the Financial Services Council, with many Kiwis relying on a “she’ll be right” attitude when things do go wrong. The reality is that tragedy can affect anyone at any time and being unable to work for a period of time has a significant financial impact on you and your family. If you’ve been putting off getting insured, now’s a good time to remedy that.

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Topics: Home Loan, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, Mortgage Protection Insurance, Home Loan Insurance, Life Insurance

Key changes to KiwiSaver

Jul 13, 2019 8:12:00 AM

There are some changes being made to KiwiSaver in 2019 and 2020, most of which have already come into effect. The proposed changes to the structure of KiwiSaver could see a greater number of New Zealander’s saving for retirement and the risk of a retirement savings shortfall decreasing over time. These changes will allow more people to join the scheme and also allow members to better tailor their KiwiSaver account to fit their needs.

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Topics: Kiwisaver, Home Loan, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, Kiwisaver withdrawal

Using Your Equity to Buy an Investment Property

Jul 3, 2019 8:13:00 AM

If you’re an owner-occupier looking to invest in property, you may be able to leverage your existing home to buy an investment property without dipping into your savings. Using the equity in your home is a smart way to build your property portfolio without feeling the pinch. Here’s what you need to know about using the equity in your home to buy an investment property.

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Topics: nz mortgage, Investing in Property, NZ Mortgage Adviser, Home Loan Advice, Investment Finance, Investment Tips, Mortgage Advice, Property and Investments