When It Pays To Review Your Insurance

Feb 23, 2021 8:57:21 AM

Life changing events often signal the right time to review insurance cover and make any necessary adjustments to policies. While insurance may not always be top of mind, a regular review of all insurance cover ensures your policies still reflect changes to your lifestyle and financial situation. To help you plan an insurance review at the right time, we’ve outlined some of the milestone events that could trigger an insurance review.


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Topics: Mortgage Advisers, Insurance Advisers, Buying and Selling Property

3 Questions to Ask Your Mortgage Adviser Today

Feb 22, 2021 8:53:55 AM

As the link between lenders and borrowers, mortgage advisers help their clients identify the right home loan with interest rate and terms to fit their financial situation. With access to a panel of lenders, they can shop around for the borrower and match them up with the right lender. If you haven’t already worked with a mortgage adviser, and you’re unsure just how they can help you, start by asking your mortgage adviser these three questions.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Improve Your Credit Score

Feb 13, 2021 1:54:17 PM

Your credit score is more important than you might think. Not only when it comes to applying for a mortgage or personal loan, but even when opening new bank accounts, utilities, or applying for insurance or car finance. How you spend and repay your debt directly affects your credit score. And every time you apply for credit, lenders use your credit score to decide whether or not to lend to you. Here’s how to improve your credit score.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

All You Need to Know About Bad Credit Home Loans

Feb 12, 2021 1:49:14 PM

Stuck with a low credit score and now struggling to get mortgage finance? The fact is a low credit score can have a negative impact on your home loan application. But it’s not all bad news. For those with a bad credit history, there are still financial options available with access to competitive mortgage rates. Read on to find out all you need to know about bad credit home loans.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

A Guide to Buying at Auction

Jan 19, 2021 1:10:26 PM

When it comes to buying property in New Zealand, many people find the auction process quite daunting. Being prepared by attending several auctions before you bid and doing your research can help you feel more confident. As property sales by auction are unconditional, so there are a few important steps you’ll need to take before bid. If you’re new to the auction process, and unsure where to start, check out this handy guide.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Building New: House and Land vs. Construction Loan

Jan 15, 2021 1:38:00 PM

As house prices across New Zealand continue to rise, many first home buyers are turning to new builds as a way of getting onto the property ladder. But financing a new build is a little different to a regular mortgage on an existing property. To help you understand your options when it comes to building a new home, here is an outline of the things to look out for in a house and land turnkey package vs. a construction loan.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

How to Pay Off Your Mortgage Faster

Jan 11, 2021 1:35:35 PM

At the start of a new year, many people commit to doing things a little differently in the year ahead by setting New Year’s Resolutions. Often these New Year’s Resolutions centre around saving more or spending less. If you’re committed to improving your financial situation this year, why not start with these tips to help you pay off your mortgage faster.


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Topics: Mortgage Advisers, Home Loan, Buying and Selling Property

Why Choose a Mortgage Adviser?

Nov 18, 2020 1:48:45 PM

Working with a mortgage adviser not only puts you in the best possible position when it comes to applying for a home loan – particularly as a first home buyer – it also means you have access to a much greater selection of financial options, which means finding the right mortgage to fit your unique situation. But that’s not all. Read on to find out why it pays to work with a mortgage adviser when applying for a mortgage – be it owner-occupied or investment.


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Topics: Mortgage Advisers, Buying and Selling Property, Home Loans

When Did You Last Review Your Mortgage?

Sep 24, 2020 9:17:59 AM

Home loan interest rates have fallen to historic lows in 2020 and economists are predicting even lower mortgage interest rates in the months ahead in response to the economic fall-out from COVID-19. Lower interest rates mean more opportunities for both homeowners and first home buyers looking to enter the market, with more affordable repayments and the potential to get debt-free faster. If you haven’t reviewed your mortgage in a while, now’s a good time to do that.


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Topics: Mortgage Advisers, First Home Buyer, Buying and Selling Property

5 Things Your Mortgage Adviser Wants You To Know

Aug 26, 2020 6:19:47 PM

For the first time in several years, first home buyers have accounted for a sizeable chunk of new mortgages, according to data released in June 2020 by the Reserve Bank of New Zealand. With record low interest rates and the removal of loan to value restrictions, many more first home buyers are seizing the opportunity to enter the property market. If you are considering buying your first home, take a look at these 5 things your mortgage adviser wants you to know before you apply for a mortgage.


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Topics: Mortgage Advisers, First Home Buyer, Buying and Selling Property