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

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.

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

RBNZ LVR restrictions removed

May 6, 2020 9:08:13 AM

Reserve Bank removes LVR restrictions for 12 months

Release date
30 April 2020

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Topics: refixing, Mortgage Advice, mortgage review, Refinance, Financial Hardship, COVID-19, Mortgage Holiday

Experiencing Financial Hardship… What are my options?

Apr 9, 2020 6:52:54 AM

In the current global situation, many people may be struggling to meet their financial obligations and experiencing financial hardship. Most New Zealand banks have a financial hardship policy available to assist customers who may be experiencing some form of financial hardship due to Covid-19.

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Topics: refixing, Mortgage Advice, mortgage review, Refinance, Financial Hardship, COVID-19, Mortgage Holiday

COVID-19: Business Finance Support

Apr 7, 2020 10:56:53 AM

In partnership with participating approved banks, Government has launched the Business Finance Guarantee Scheme which will support targeted new loans to eligible businesses. Small and medium-sized businesses affected by the economic impacts of Covid-19 may be able to access a financial support package launched to protect jobs and support the economy.

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Topics: Business Finance, Small Business Finance, Mortgage Advice, Financial Hardship, COVID-19

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