Mid-Year Property Update

Jul 17, 2018 9:48:21 AM

As expected, a winter lull has hit the NZ property market with the number of new properties listed for sale falling in 15 out of 19 regions during the month of June 2018. Falling house prices could be a sign we’re moving into a buyer’s market, and tighter lending criteria continues to constrain the market despite short-term interest rates remaining low. Read on for more in this mid-year property update.

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Topics: Mortgages, Housing Market, NZ Property, NZ Property Market, NZ Mortgage Adviser, Selling in winter

Protecting your home with Mortgage Insurance

Jul 17, 2018 8:00:00 AM

Have you ever considered what would happen if you were unable to work? How long could you continue to pay your mortgage for before your savings run out? Mortgage and Income Protection Insurance could be the solution you need. It’s an insurance designed to meet your mortgage repayments when you can’t. Read on to find out more.

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Topics: Mortgages, Home Loan, Mortgage, nz mortgage, NZ Mortgage Adviser, Home Loan Protection Plan

Beat the winter blues

Jul 13, 2018 10:00:00 AM

If your mood has plummeted along with the temperature, you’re not alone! As well as the cold, rain and even snow, winter can bring some serious changes to our health and wellbeing. The winter blues are usually heralded by fatigue, a need for more sleep, carb cravings, and even depression. We’re sharing these 5 hacks to help you beat the winter blues.

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Topics: Mortgages, Health Insurance, Financial Health, Health and Wellbeing, NZ Mortgage Adviser, Winter Blues

Is winter a good time to sell?

Jul 12, 2018 2:09:21 PM

Spring is traditionally seen as the best time to sell a property, with the warmer weather said to bring out home buyers, fuelling competition and driving up house prices. Whether or not there’s any truth to this, the fact is, homes are sold all year round and there are several advantages to selling in winter. We outline what some of these are and share tips to help make your home sale-worthy during the colder weather.

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Topics: Selling At Auction, Mortgages, Selling your Home, Selling, Advice, Winter, property focus, selling property, NZ Mortgage Adviser

Low Cost DIY Projects That Add Value

Jun 19, 2018 11:58:04 AM

Cost is usually a major factor when it comes to any home renovations, and weighing up the cost versus return is an important part of your decision making. Whether you’re looking to sell your home or just freshen it up, here are a few low cost projects that you can do yourself to revitalise your home and add value.

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Topics: DIY, Refinancing Options, Mortgages, Renovations, refinancing, Home Renovations, NZ Mortgage Adviser

Buying a home with family

Jun 12, 2018 3:54:37 PM

A combination of rising property prices and stricter lending criteria has made it harder than ever to buy a home or an investment property. As a result, many buyers are pooling their resources and buying property with family. As with any contract however, it’s important you go in with your eyes wide open. Here’s what you need to know.

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Topics: Mortgages, Family, NZ Mortgage Adviser, Bank of mum and dad, Guarantor

Improve your chances of a low deposit home loan

Jun 12, 2018 3:29:10 PM

Earlier this year (2018), the Reserve Bank of New Zealand increased the cap from 10 to 15 per cent for banks’ lending to home buyers with a deposit of less than 20 per cent. How has this change impacted first home buyers? And what should you be doing to improve your chances of a low deposit home loan? Read on to find out.

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Topics: Mortgages, Home Loan, Bad credit, NZ Mortgage Adviser, Low Deposit

Rateable Value Versus Market Value

Jun 12, 2018 3:24:19 PM

In the search for your dream home, you may have noticed the various ways property values are advertised. Two of the most common values advertised are the rateable value and the market value. It’s often assumed that these two values are equivalent, but that’s not always the case. Take a look at how they differ.

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Topics: Mortgages, NZ Mortgage Adviser, Rateable Value, Market Value, CV, Capital Value

Autumn Home Improvement Tips

May 17, 2018 7:42:43 AM

With winter just around the corner, it’s a great time to get those home improvement projects completed and ensure your home is winter-ready. Here are three autumn home improvement projects you could get done now to help keep your home maintenance-free throughout winter.

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Topics: DIY, Mortgages, Home Improvement, Autumn

Helping your kids onto the property ladder

May 11, 2018 11:47:30 AM

Despite a slowdown in property price increases, many first home buyers are still struggling to get a foot onto the property ladder. Which is why they’re turning to the bank of mum and dad for help. Is this a viable solution or are we just shifting the problem? Find out more about helping your kids onto the property ladder.

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Topics: Retirement, Debt Consolidation, Mortgages, Savings, first home buyer, Bank of mum and dad