When it comes to a successful property sale, it’s all about presentation. A bad first impression can make or break a potential buyer’s decision to even walk through the front door. If you’ve decided to sell your place and you’re ready to throw yourself into getting it ready for market, check out these 3 low-cost ways to get your home sale-ready in the new year.
Topics: Selling, Mortgage Advisers, NZ Mortgage Adviser
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.
Topics: Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Financial Advice, Mortgage Advice
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.
Topics: Property Management, Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Home Loan Advice, Investment Finance, Property and Investments, mortgage review
Just like a health check, reviewing your mortgage annually can help you uncover any issues before they become serious. It’s a chance to check that you’re getting the best deal on the market. And if not, it provides some alternative financial solutions. If your fixed loan term is nearing its end or your circumstances have changed recently, there’s no better time to plan a mortgage review and decide whether to refinance, refix or revert.
Topics: Mortgage Advisers, NZ Finance, NZ Mortgage Adviser, Home Loan Advice, mortgage review
Christmas is just around the corner, and if you’re already feeling the pinch of festive spending to come, there’s no better time to get planning. Holiday gift-giving and entertaining can be a real drain on the wallet and your mental health so it’s vital you plan ahead with a solid budget that’s realistic and attainable. We’ve put together a list of ideas to help you celebrate Christmas while staying within your limit.
Topics: Debt Consolidation, NZ Finance, Budgeting, NZ Mortgage Adviser, Home Loan Advice
Choosing the right home loan to fit your lifestyle and your needs can be a challenge, especially if you’re new to the property market and you don’t have a good understanding of how home loans are structured. To help you better understand the different types of home loans as well as the pros and cons of each, we’ve created a handy guide that takes you through each option.
Topics: NZ Finance, Home Loan Rates, NZ Mortgage Adviser, Home Loan Advice, Welcome Home Loan, Low Doc Home Loan, Home Loan Application
If you’ve ever applied for credit – be it a home loan, credit card, phone or electricity account – you’ll already have a credit score. Your credit score is used by lenders to assess your credit-worthiness each time you apply for credit. The higher your score, the better your credit rating, and the more likely you are to be approved for credit. Find out more about credit scores and how you can improve yours with this useful guide.
Topics: NZ Finance, Credit Check, credit score, Bad Credit Home LOan, NZ Mortgage Adviser, Comprehensive Credit Reporting, Home Loan Advice
Planning a summer break this holiday and heading to the beach, the mountains or overseas?
Empty houses are an easy target for burglars so it pays to be a little more cautious to ensure the security of your home and save you unnecessary stress while you’re away. Stop unwelcome visitors in their tracks and keep your home safe this holiday with these handy tips.
Topics: NZ Finance, NZ Mortgage Adviser, Home Loan Advice, Home Insurance, Home and Contents Insurance
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.
Topics: Buying, Pre-approvals, NZ Finance, NZ Mortgage Adviser, Bank of mum and dad, Guarantor, Home Loan Advice
A home loan pre-approval gives you peace of mind when you first start house-hunting, by letting you know exactly how much money the bank is prepared to lend you. Although your pre-approval is conditional, it puts you in a position to move quickly when you find your ideal home, and it’s also an essential step if you want to bid at auctions. Here’s what you need to know about the home loan pre-approval process.
Topics: Buying, Pre-approvals, NZ Finance, NZ Mortgage Adviser, Home Loan Advice, Home loan pre-approval
