5 Tips for Spring Cleaning Your Health and Your Home

Sep 20, 2021 9:40:02 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 9:34:04 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 10:14:54 AM

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 2:12:57 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 8:30:12 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 6:17:57 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 1:21:05 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

What You Need to Know About Financing a New Build

Jun 28, 2021 7:01:07 AM

With a fixed price contract before construction starts, lower loan-to-value ratios and deposit conditions, and a home built to high standards, it’s not surprising that buying off the plan is so attractive, especially for first home buyers. If you are considering building your own home or buying into a brand-new development, here are some things to consider when financing the construction of your new build.

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Topics: Mortgage Advisers, First Home Buyer, Construction Loan

How to Know When To Refinance Your Mortgage

Jun 28, 2021 6:56:49 AM

Most homeowners tend to set their home loan structure and then forget about it. They fix their rates for a set period of time and take comfort in knowing how much to budget for their mortgage each month. However, interest rates change, and while it may seem easier to simply set and forget, in the long-run it could be costing you several thousands of dollars more in interest charges, simply because you haven’t refinanced. Here are 3 instances when it pays to refinance your mortgage.

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

How Parents Can Help Their Children Buy a First Home

Jun 15, 2021 11:28:46 AM

With interests rates at an all-time low, the cost of servicing a mortgage has never been lower. However, rising house prices mean deposit requirements have never been higher, and therein lies the big problem for many first home buyers. For those with parents or family members who may be able to help with a deposit for a first home, here are some of the options and the key things to look out for.

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