From experience, I know that for most first home buyers the excitement of just getting a home loan approved feels like a win, but often it means that you do …
Homeowners Should Take Advantage Of Dropping Interest Rates
So the good news is interest rates are coming down and therefore when you refix your mortgage you could be paying less, but dropping interest rates also present a great opportunity for …
Are You Headed To A Mortgagee Sale?
Banks can be very friendly when things are going well, but they can turn on you quickly if you get behind in your repayments – if you get into mortgage …
The Kāinga Ora Maintenance Clause (for First Home Loans)
If you intend to buy your first home using the Kāinga Ora low deposit First Home Loan scheme then you need to be aware of the eligibility and the maintenance …
Co-Ownership Offers Another Option For First Home Buyers
At times co-ownership offers the best option for first home buyers. It’s a way to get into your first home when you do not have a large deposit or find …
Low Deposit Options For Your First Home
What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a low …
Does A Student Loan Affect Getting A Mortgage
As a mortgage adviser, I hear from lots of first home buyers asking “does a student loan affect getting a mortgage” and they can. The answer is YES your student …
Why People Say Use a Mortgage Adviser
It’s sometimes funny why people say use a mortgage adviser! So often in New Zealand people say “just go and see your own bank” and that makes you question where …