Understanding Property Valuations

Aug 26, 2020 10:27:03 AM

Whether you’re buying or selling, determining the value of a property is an important step in the process. A property valuation – an assessment of a property’s market worth – can help you set a realistic sale price when you’re selling and be a valuable tool when it comes to negotiating a purchase price when you’re buying. Here is a guideline to understanding property valuations.


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Topics: NZ Finance, property value, Home Loan Advice, Property Valuation

Buying and selling at auction

Aug 26, 2020 10:26:14 AM

Across New Zealand, auctions are a popular method for both buying and selling property. But an auction can seem daunting, particularly if you’re a first home buyer or new to the auction process. Don’t be put off though as there are many advantages for both buyer and seller. In this month’s property article, we’re sharing some of Harcourts New Zealand’s tips to buying and selling at auction to ensure you’re successful.


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Topics: Selling At Auction, Selling My House At Auction, NZ Finance, Auction, Home Loan Advice, Buying at auction

A step by step guide on buying your first home

Jul 21, 2020 6:20:01 PM

Buying a first home is a big decision; quite possibly, the biggest one you’ll ever make. Which is why it pays to understand exactly what you’re getting yourself into. To ensure you’re armed with the right information so you can make good decisions about your financial future, here is a step by step guide to buying your first home.


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Topics: NZ Finance, NZ Mortgage Adviser, Home Loan Advice

Helping your kids buy a home

Jun 15, 2020 8:58:32 AM

With the rising cost of property across New Zealand, it’s not surprising that so many parents are having to help their grown-up children buy property. In fact, it’s estimated that the “Bank of Mum and Dad” is the sixth largest lender when it comes to mortgage lending in New Zealand. While bank lending requirements have made it harder for first-home buyers to use their parent’s help to get onto the property ladder, there are still a few ways you as a parent can help.


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Topics: Pre-approvals, NZ Finance, NZ Mortgage Adviser, Bank of mum and dad, Guarantor, Home Loan Advice, Buying property in New Zealand

Building wealth through property investment

Jun 15, 2020 8:39:46 AM

Property investment in New Zealand has seen some phenomenal growth over the last few years and it’s easy to see why. Regular rental income, outstanding capital gains and a sizeable nest egg for retirement are just some of the benefits property investors in New Zealand can enjoy. Before you jump in though, here are some things to consider.


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Topics: Property Management, Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Home Loan Advice, Investment Finance, Property and Investments, mortgage review

Ways to get debt-free faster

May 22, 2020 7:37:19 AM

There’s no worse feeling than trying to pay down debt that is quickly spiralling out of control. If you’re feeling overwhelmed by the amount of debt you have, there is a solution. Take control of your money and secure a more stable financial future with these 5 strategies that can make paying off your debt faster and a lot less painful.


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Topics: Debt Consolidation, NZ Finance, Christmas Debt, Home Loan Advice, Debt-free

Why shop around for a mortgage?

Jan 16, 2020 8:12:00 AM

Shopping around for a mortgage can seem like a daunting process. But the fact is, if you don’t shop around and you simply apply for a loan from your everyday bank, you could be doing yourself a major disservice and you could be missing out on some serious deals. If you’re looking for a new mortgage or you’re considering refinancing, here are the reasons why it pays to shop around.


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Topics: Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Financial Advice, Mortgage Advice

3 Ways to cure your Christmas debt hangover

Jan 14, 2020 7:59:00 AM

New Zealanders spent over half a billion dollars over the 2019 Christmas period; a whopping $533 million of which was paid for on credit. As the credit card bills begin to arrive, many people are left with the regret of overspending. If the cost of Christmas has rolled into the new year and you’re facing a Christmas debt hangover, we have some tips to help you clear your debt.


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Topics: NZ Finance, Financial Health, Christmas Debt, Christmas spending, Financial Advice, Home Loan Advice

Setting your financial goals for 2020

Jan 9, 2020 7:50:08 AM

Most of us have the best intentions come the start of a new year but the reality is, those intentions typically fade by February. Whatever your plans are for 2020, it’s a good idea to set your financial goals too. Setting your financial goals down in writing is a big part of their success. To get your finances on track for 2020, here are 5 goals you could consider setting yourself.


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Topics: NZ Finance, Financial Health, Financial Advice, Home Loan Advice, Finance Goals

When to refinance your mortgage

Dec 11, 2019 8:20:19 AM

Refinancing your mortgage could help you secure better interest rates, reduce the term of your loan, and even strengthen your overall financial position. Deciding when to refinance depends on several factors and there are many instances where property owners refinance for reasons other than just the interest rate. Take a look at when you could consider refinancing your mortgage.


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Topics: Refinancing Options, NZ Finance, Home Loan Advice, Refinance