Success in the any industry is often measured in milestones, and for Sue Clydesdale, Mortgage Adviser - Mortgage Express, reaching the $1 billion career settled sales mark is a testament to a lifetime dedicated to the art of the deal and the power of enduring personal relationships.

From the thriving community of Christchurch to the bustling halls of Grenadier Real Estate, where Sue has been a steadfast presence throughout her career, her journey is one of resilience through natural disasters, economic trials, and the changing tides of the real estate market.

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Topics: Mortgage Advisers, Achievements, Home Ownership

‘It will all work out’ – How one mortgage adviser's trust in the journey has helped her clients reach their destination...

Annabelle (Belle) Lewis’ start to the financial advising industry was a unique one. Originally, she had planned to have a career in political science, but merely three weeks after graduating with a master’s degree in international relations and diplomacy, the overarching Covid pandemic hit, leaving her with little to no job prospects. In such a competitive industry, instead of letting the pandemic ruin her career plans, Belle strategically pivoted, and decided to focus her efforts on starting a career in financial advising.

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Topics: Mortgage Advisers, Home Loan, Health and Wellbeing

First home buyers navigating New Zealand’s fast-paced property market often face a myriad of questions and challenges that go along with this significant milestone. Drawing on insight and inspiration from experienced mortgage advisers can help empower first home buyers to make informed decisions about their own home ownership goals. Read on as we share essential tips and inspiring success stories from Mortgage Express branded mortgage advisers.

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

As Kiwis struggle with the rising cost of living, higher interest rates and recent weather events that caused significant damage to homes in certain regions, many more homeowners and first home buyers are turning to mortgage advisers for financial advice. With fixed rate mortgages at a record high, and close to half of those due to expire in 2023, there’s never been a better time to talk to a mortgage adviser about refixing or refinancing options to fit the budget.

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Topics: Mortgage Advisers, Refinancing, Financial Advice, refixing

It’s easy to feel discouraged when a lender declines your home loan application, but it isn’t necessarily the end of your home buying journey. Whether it’s because of low deposit, too much debt, a poor credit history, inconsistent income, or simply lender policy and lending appetite, it helps to understand why it happened and, more importantly, what your options are. Here’s what it means for you if a lender turns down your mortgage application, and what you can do about it.

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Topics: Mortgage Advisers, non-bank lender, Financial Advice

Falling house prices in some parts of New Zealand could spell good news for first home buyers who have been struggling to save a big enough deposit to enter the property market. However, although previously locked out due to affordability, further interest rate rises and the threat of a recession could make getting finance and servicing a mortgage that much harder. Before you step onto the property ladder, here’s how to prepare for the journey ahead.

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Topics: Mortgage Advisers, First Home Buyer, Low Deposit

The threat of cyber-attacks continues to be a major concern in New Zealand, as cyber-criminals find ever-more sophisticated ways to target internet users and gain access to personal data and financial information. In the first quarter of 2022 alone, CERT NZ responded to 2001 cyber incidents resulting in $3.9 million in direct financial loss! To help keep you and your family safe online, here are some of the steps you could follow.

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Topics: Mortgage Advisers, Financial Health, First Home Buyer, Financial Advice

With the cost of New Zealand property at an all-time high, many prospective first home buyers struggle to save a big enough deposit to enter the property market. One way around this issue is to have a family member be guarantor, using their own home as security for the borrower’s loan or for their deposit. But before agreeing to be a guarantor, it’s important to understand what the pros and cons are.

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Topics: Mortgage Advisers, Financial Health, First Home Buyer, Financial Advice

It can be unnerving approaching your lender for a home loan, particularly if you’re a first home buyer unsure about the home buying process. Many first home buyers (and existing homeowners and investors too) find it easier and less stressful to work with a mortgage adviser. If you haven’t worked with a mortgage adviser before, here’s an outline of what you can expect, starting with the initial meeting right through to refinancing and refixing.

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Topics: Mortgage Advisers, Financial Health, First Home Buyer, Financial Advice

While reverse mortgages have traditionally been seen as a little unconventional, it’s not surprising that New Zealand’s major lenders of reverse mortgages have seen a sharp rise in new approvals. Rising house prices and a higher cost of living have forced some homeowners approaching retirement to re-evaluate their financial position, and consider a reverse mortgage as a means to a financially comfortable retirement. To help you decide, here are the pros and cons of a reverse mortgage.

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Topics: Retirement, Mortgage Advisers, reverse mortgage