5 First home buyer mistakes to try an avoid

May 22, 2020 9:40:28 AM

When buying your first home, it’s easy to get swept up in a whirlwind of excitement and make mistakes that could end up costing you later on. Even if you’ve done your research and have a good understanding of the property market, there’s a lot to take in and to think about. Here are 5 first home buyer mistakes to avoid.


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Topics: nz mortgage, First Home Buyer, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, First time homeowner

Protecting you and your home

Jul 31, 2019 10:12:00 AM

New Zealand is one of the least insured nations in the developed world according to research by the Financial Services Council, with many Kiwis relying on a “she’ll be right” attitude when things do go wrong. The reality is that tragedy can affect anyone at any time and being unable to work for a period of time has a significant financial impact on you and your family. If you’ve been putting off getting insured, now’s a good time to remedy that.


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Topics: Home Loan, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, Mortgage Protection Insurance, Home Loan Insurance, Life Insurance

Rental Property Bylaw Changes

Jul 19, 2019 12:02:21 PM

From 01 July 2019, ceiling and underfloor insulation is compulsory in all New Zealand rental properties, where suitable. In addition to this, landlords have just over two years to ensure rental properties meet the Government's healthy homes standards, the minimum requirements for heating, insulation, ventilation, moisture and drainage, and draught stopping in rental properties. Here’s what you need to know about insulation requirements and healthy homes standards.


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Topics: Property Management, Kiwisaver, Rental Market, Home Loan, nz mortgage, NZ Mortgage Adviser, NZ Property Manager

Key changes to KiwiSaver

Jul 13, 2019 10:12:00 AM

There are some changes being made to KiwiSaver in 2019 and 2020, most of which have already come into effect. The proposed changes to the structure of KiwiSaver could see a greater number of New Zealander’s saving for retirement and the risk of a retirement savings shortfall decreasing over time. These changes will allow more people to join the scheme and also allow members to better tailor their KiwiSaver account to fit their needs.


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Topics: Kiwisaver, Home Loan, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, Kiwisaver withdrawal

Using Your Equity to Buy an Investment Property

Jul 3, 2019 10:13:00 AM

If you’re an owner-occupier looking to invest in property, you may be able to leverage your existing home to buy an investment property without dipping into your savings. Using the equity in your home is a smart way to build your property portfolio without feeling the pinch. Here’s what you need to know about using the equity in your home to buy an investment property.


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Topics: nz mortgage, Investing in Property, NZ Mortgage Adviser, Home Loan Advice, Investment Finance, Investment Tips, Mortgage Advice, Property and Investments

First tier lenders vs. second tier lenders

Jun 29, 2019 10:14:00 AM

Stricter lending conditions across New Zealand and Australia have led to a rise in the number of borrowers turning to second tier lenders for finance. Second tier lenders – or non-bank lenders - while tightly regulated, are privately owned and often have more flexibility in the rates and fees they can offer. As a borrower who doesn’t quite meet bank lending criteria, a second tier or non-bank lender may be the answer.


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Topics: Lenders, nz mortgage, non-bank lender, lending options, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice

5 Mortgage Mistakes to Avoid

Jun 21, 2019 5:18:54 PM

Whether you’re a first home buyer or a seasoned investor, making a bad decision on your mortgage could end up costing you in both time and money. When it comes to a mortgage, what you don’t know CAN in fact hurt you! Knowing what pitfalls to avoid will help you make better decisions. Here are 5 mortgage mistakes to avoid.


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Topics: nz mortgage, First Home Buyer, lending options, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice

First Home Buyer Tips

Jun 17, 2019 7:40:15 PM

No doubt about it: buying your first home is exciting. But it can also be incredibly stressful, which is why it’s so important to prepare yourself for the journey ahead, by doing your homework and getting advice from the right people. So that you understand all you need to know about buying your first home, we’re sharing our first home buyer tips.


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Topics: First Home, nz mortgage, First Home Buyer, lending options, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice

Are you due for a mortgage review?

Jun 7, 2019 10:13:00 AM

Following the Reserve Bank’s decision to lower the official cash rate to 1.5 per cent early last month, banks have been quick to follow with lower mortgage rates, representing not only an opportunity for new buyers to enter the market, but also a chance for existing home owners to pay off their mortgage much faster. If you haven’t reviewed your mortgage recently, you could be missing out.


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Topics: nz mortgage, lending options, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, mortgage review

Official Cash Rate at an all-time low

May 22, 2019 1:18:35 PM

The Reserve Bank has cut the Official Cash Rate (OCR) for the first time in two years; down 25 basis points to 1.5 per cent, the lowest it’s ever been. Retail banks have been quick to pass on the rate cut: Good news for home owners and first home buyers.


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Topics: Interest Rates, Lenders, nz mortgage, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, Borrowing Advice, Borrowing Capacity, OCR