What to Look For in a Property Manager

Nov 17, 2021 2:02:15 PM

It can be tempting to go it alone when renting out an investment property. But when things go wrong, it’s easy to see why enlisting the services of a property manager pays dividends! If you’re in the process of choosing a property manager – or you’re still debating whether to hire a property manager to take care of your rental property, here are 5 important qualities to look out for in a property manager.

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Topics: Mortgage Advisers, Investment Property, Financial Advice

Moving Costs When Buying a New Home and Selling Your Existing Home

Nov 17, 2021 1:55:34 PM

When you buy a new home, there are a few extra costs that you’ll have to think about over and above your mortgage, insurance, maintenance and repairs. Often these less-obvious costs of moving home take some homeowners by surprise. Planning a moving budget is a good way of determining how much you need to spend and where you could cut costs. To help you get started, here are some of the costs to consider when buying a new home and selling your existing home.

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Topics: Mortgage Advisers, First Home Buyer, Financial Advice

Pitfalls to Avoid When Buying off the Plan

Nov 2, 2021 11:06:26 AM

Buying off the plan is an appealing option for many first home buyers. As well as a fixed price, homes are built to modern standards with heating and insulation, and typically require far less maintenance once completed. But buying off the plan is not without risk and there are a few potential pitfalls to look out for. Here’s an outline of some of the things to check before you buy a home off the plan.

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Topics: Mortgage Advisers, First Home Buyer, Financial Advice

5 Tips for Spring Cleaning Your Health and Your Home

Sep 20, 2021 11:40:02 AM

Warmer temperatures and more sunshine hours signal the beginning of spring, and for many of us, time to spring clean. A thorough spring clean of your home has a number of health benefits. Aside from helping strengthen your immune system and avoid illnesses, cleaning and organising the space you spend most of your time in can actually boost your mood and help you focus better. Here are five ways you can benefit from spring cleaning along with tips on what tasks to prioritise.

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Topics: Mortgage Advisers, Health and Wellbeing, COVID-19

Struggling Financially? Here’s What to do…

Sep 20, 2021 11:34:04 AM

Ongoing lockdown restrictions have meant many New Zealanders are facing serious financial hardship. Those families that are still struggling from previous lockdowns will be hardest hit, and many will be tempted to turn to easy access, high-interest debt in order to pay for day to day expenses. If you are struggling financially – unable to repay existing debt, maintain your mortgage repayments, or simply put food on the table – please reach out for help. Here are some options.

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Topics: Mortgage Advisers, Financial Health, COVID-19

5 Ways to Save on Your Home Loan

Aug 25, 2021 12:14:54 PM

There’s a lot you can do to chip away at your home loan, beyond just making regular repayments. While working towards being mortgage-free usually means making some sacrifices – like cutting back on spending, or paying more of your income into your home loan – there are a few quick wins that aren’t quite as painful but are just as effective. Here are 5 ways to save on your home loan.

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Topics: Mortgage Advisers, Financial Health, Buying a home in NZ

Offset versus Redraw: Which Home Loan Feature is Best?

Aug 4, 2021 4:12:57 PM

In New Zealand, redraw and offset facilities are fast becoming more popular home loan features for good reason. While mortgage interest rates are an important factor when it comes to choosing the right home loan, extra features – like a redraw or offset facility – play a big part too. These two home loan features allow you to use any extra funds you pay into your home loan while reducing the amount of interest you pay. And for diligent savers, that means significant savings. Here’s more about each of these features.

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Topics: Mortgage Advisers, First Home Buyer, Buying a home in NZ

The Benefits (And Pitfalls!) of Buying a New Build

Jul 29, 2021 10:30:12 AM

When it comes to buying a home, one of the decisions you’ll need to make is whether to buy an existing property or to build new. While many people choose an established character home, there are those who love the idea of a brand-new home. No matter which option you choose, buying a home is a big investment. So, to help you make an informed decision about the type of home you’d like to buy, here are some of the benefits of buying a new build, as well as the pitfalls to look out for.

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Topics: Mortgage Advisers, Buying Off-The-Plan, First Home Buyer

5 Personal Finance Rules of Thumb

Jul 9, 2021 8:17:57 AM

When it comes to personal finance, there are some tried and tested principles, or rules of thumb, that are worth practicing. These well-known financial guidelines help us apply proven methods for saving, investing, buying a home and even planning for retirement. Here are five personal finance rules of thumb that could help you make quick calculations and decisions about your personal finance.

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Topics: Mortgage Advisers, First Home Buyer

Buying Your First Home? Here are 3 Things to do First…

Jul 8, 2021 3:21:05 PM

Us Kiwis love property and most of us have dreamt of owning our own little piece of Aotearoa at some point. Whether that’s a section of land in the country, a family home in the suburbs, a bach at the beach, or a stylish apartment in the city, buying a first home is a big part of our lives. It’s also a big commitment financially, so before you buy your first home, here are three things to do first.

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Topics: Mortgage Advisers, First Home Buyer