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

3 Tech hacks to improve productivity

Apr 23, 2018 10:18:11 AM

As technology evolves so too do our digital lives, sometimes to the point where we can start to feel bogged down by the plethora of time-saving tools and life-changing apps. When it comes to improving productivity, most of us could use a little help. Take a look at these 3 tech hacks that are guaranteed to improve productivity in your digital life.


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Topics: Mortgages, NZ Finance, NZ Property, NZ Property Market, Tech Hacks, Life Hacks, Cost effective, Productivity, Efficient

Interest Only Loans

Apr 18, 2018 12:00:00 AM

While interest only mortgages have come under intense scrutiny across the Tasman over the last year (2017), this type of lending can offer a viable solution for property investors looking to grow their portfolio. Read on to find out more about interest only loans, along with the benefits and risks.


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Topics: Interest Rates, Mortgages, NZ Finance, NZ Property, mortgage rates, NZ Property Market, Variable versus Fixed, Variable Interest Rate, Fixed Interest Rate, interest only loans

Fixed versus variable: How do you choose?

Apr 17, 2018 12:00:00 AM

Deciding between a fixed and a variable interest rate, or a combination of both, is largely a personal choice. Do you need the certainty of set monthly repayments or are you looking for a little more flexibility and a saving when interest rates drop? Each option has its own set of pros and cons. Read on to find out what these are.


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Topics: Interest Rates, Mortgages, NZ Finance, NZ Property, mortgage rates, NZ Property Market, Variable versus Fixed, Variable Interest Rate, Fixed Interest Rate

How old is too old when it comes to a mortgage?

Apr 16, 2018 9:27:06 AM

Older home buyers entering the market for the first time appear to be growing in numbers in Australia and New Zealand, as a combination of rising rents and low interest rates makes buying property a more attractive proposition. But, how big a factor is age when it comes to lenders determining your lending ability? Read on to find out.


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Topics: Retirement, Mortgages, NZ Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market, Mortgage Debt

Buying and selling at the same time

Mar 21, 2018 6:48:45 AM

Timing is often a challenge when it comes to buying a new home and selling an existing one. In a perfect world, both transactions would happen simultaneously. In reality though, you could end up owning two properties while you sell your existing home. That’s where bridging finance comes in.


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Topics: Retirement, Mortgages, NZ Finance, Bridging Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market, Mortgage Debt

Retiring with mortgage debt

Mar 19, 2018 12:00:00 AM

An alarming number of New Zealanders will retire with mortgage debt, says credit rating business Credit Simple, indicating that a financially secure retirement is out of reach for many Kiwis. But it needn’t be. Planning ahead today goes a long way towards securing your retirement income stream tomorrow.


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Topics: Retirement, Mortgages, NZ Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market, Mortgage Debt

Is a reverse mortgage an option?

Mar 15, 2018 11:04:52 AM

Many retirees depend entirely on their NZ Superannuation for their income during retirement. As a result, money can be tight, and any unexpected expenses can leave a sizeable hole in the budget. That’s where a reverse mortgage may be an option. A reverse mortgage could free up some much-needed cash when times are tough, but it’s important you understand the pros and cons of this type of lending.


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Topics: Mortgages, NZ Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market

Home loan pre-approvals: What you need to know

Feb 19, 2018 12:05:25 PM

Having a pre-approval in place before you start house hunting has a number of benefits: As well as showing sellers and agents you’re serious about buying, it helps speed up the process when you find a home you like, which puts you in a far better negotiating position. If you are considering applying for pre-approval, take a look at our tips for a successful pre-approval application.


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Topics: Pre-approvals, Home Loan, Mortgage, new zealand property, new zealand real estate, nz mortgage, mortgage adviser, NZ Property Market, family home

Divorce or separation and the family home

Feb 19, 2018 8:00:00 AM

The end of a relationship is understandably an emotional and traumatic time, and the process of separating your lives, property and finances can be challenging. As your income and expenses are likely to change at this time, it’s important you understand the impact of these changes on your most important asset: your family home.


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Topics: Home Loan, new zealand property, new zealand real estate, nz mortgage, mortgage adviser, NZ Property Market, separation, family home, divorce