https://www.youtube.com/watch?v=1Dmn3G4yWs0 To control the property market, the Reserve Bank of New Zealand has established Loan to Value (LVR) ratio limitations. These limitations are meant to counteract the market’s explosive
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The easiest Way to show the bank you can service your New Mortgage!
This Video explains debt servicing like never before. A simple formula: Rent + Savings =/< New Mortgage Repayments Okay there is a little more to it than this check
5% Deposit KāingaOra First Home Loans! Here is everything you need to know
This is the crazy low 5% Deposit Mortgage option for First Home Buyers Only. This is offered by just some banks and Underwritten by KāingaOra previously Housing NZ. There
I Bought a House for $4000!
https://youtu.be/1N5w9whIbRA Hey Everyone, I’m excited to talk to you about something that I think is pretty darn cool after just completing this exercise myself – relocating a house! Yes
Save 7.8 Years off your Mortgage without Changing your Lifestyle
Now that rates are much higher here in 2023, the Maths is clear. It is probably much, much more beneficial (and safe) to pay off your loan faster. By
Get Your First Home With Kāinga Ora
<p>If you’ve been contributing to your KiwiSaver over the last 3 years, then you may be eligible for a First Home Grant or First Home Loan with Kāinga Ora.
Add Value To Your Property With A Home Improvement Loan
<p>Ways a Home Improvement Loan Can Help With Your Property Home 5 Blog Renovations are a great way to add value to your home and update it to
Sales and Purchase Agreements
<p>How do I actually make an offer on a property? Home 5 Blog Here’s a Video of an Offer I made to secure an Off the Plans Build
Offset Mortgage
<p>How an Offset Mortgage Can Help you Save Thousands on your Home Loan Home 5 Blog Channelling your everyday income and savings onto your mortgage can have a
Revolving Credit
<p>How to Properly Use Revolving Credit to Become Mortgage Free Faster Home 5 Blog “Hey John and Mary, awesome catching up again this morning thanks for your time!
The Bank of Mum and Dad
<p>The Bank of Mum and Dad How to buy your first home with no cash deposit using parents’ home as security Home 5 Blog Let’s start with understanding
No Deposit? – No Worries!
<p>No Deposit? No Worries! – Family Equity Loan’s Explained With the 20% Deposit requirements and ever increasing House Prices in Auckland, 1st Home Buyers are finding it harder and
How To Survive Your Mortgage In a Recession (Part 2)
Why ‘Non-Bank’s’ Will Be The Lifeline That Many (Unusually) Strong Borrowers Will Need in 2020. A ‘No’ could easily be a ‘Yes’. With rates from 3.39% fixed for 2
How to Survive (Your Mortgage) in a Recession
Prepare for the worst and hope you are wrong. Plan for a recession and if it does not happen, at least you have an excellent contingency plan in place.
Why Do So Many People Refinance?
Mortgage News – Refinancing (It’s not just about rates) Overview The OCR has remained unchanged this week alongside LVR restrictions. We are seeing a big tightening of credit in
Mortgage News for 2020 & The Power of KiwiSaver
Mortgage News & KiwiSaver Advice Overview Not much happening with interest rates at present, the banks are all cutting margins to gain business and also declining marginal applications that
Mortgage News – Rates Rises – First Home Buyers Alert
We all knew it couldn’t last forever. Interest rates have started to rise, with rates tables breaking out a rash of red arrows, especially for the longer terms. Floating
Exemptions Under The New Reserve Bank Rules. Do You Know Them All??
October saw the new investment property loan-to-value rules come into play (officially), as recently announced by the Reserve Bank. There is a lot of confusion around these borrowing rules
100% Guaranteed, Tax Free Returns
Term Deposits Vs Revolving Credit I routinely read the Saturday business columns of the likes of Mary Holm & Diana Clement. There are some great bits of advice that
1st Home Buyers Delight
Spring is all but here and the days are slowly but surely getting longer. As any proud dad I just had to post this pic of my beautiful wife and
Matt needs a fantastic p.a – do you know anyone?
Personal Assistant Role…Do you know someone who needs flexible hours? WANTED: Personal assistant for 20-30 hours p.w (negotiable). We are looking for someone who has excellent attention to detail,
Breaking News: Reserve Bank – New Rules for Investors
Latest Reserve Bank Announcement! The RBNZ has this morning put a 40% restriction on the banks in regards to investment lending. Note that while this effectively is not in
June Mortgage News
June has continued with the upward trend in rising house prices throughout the whole country not just Auckland! Once again no real let up in sight. How long can
Self Employed? Reduce Your ACC Levies!!
As a self-employed person I pay ACC every year. And like you I hate it! I’ve also been on the receiving end of ACC before, I dislocated my shoulder
Real Conversation – First Home Buyer
Letters to ‘Sarah’ If you’re desperately looking at getting into the property market (or know someone who is) but need to get a few things sorted before the banks are willing
Mortgage News March 2016
I hope your summer was great and trust you have been enjoying the sunshine when it makes it’s brief appearances. If you haven’t already now is a great time of
Low Deposit? Why you don’t need Pre-Approval in 2023
https://www.youtube.com/watch?v=1Dmn3G4yWs0 To control the property market, the Reserve Bank of New Zealand has established Loan to Value (LVR) ratio limitations. These limitations are meant to counteract the market’s explosive
The easiest Way to show the bank you can service your New Mortgage!
This Video explains debt servicing like never before. A simple formula: Rent + Savings =/< New Mortgage Repayments Okay there is a little more to it than this check
5% Deposit KāingaOra First Home Loans! Here is everything you need to know
This is the crazy low 5% Deposit Mortgage option for First Home Buyers Only. This is offered by just some banks and Underwritten by KāingaOra previously Housing NZ. There
I Bought a House for $4000!
https://youtu.be/1N5w9whIbRA Hey Everyone, I’m excited to talk to you about something that I think is pretty darn cool after just completing this exercise myself – relocating a house! Yes
Save 7.8 Years off your Mortgage without Changing your Lifestyle
Now that rates are much higher here in 2023, the Maths is clear. It is probably much, much more beneficial (and safe) to pay off your loan faster. By
Get Your First Home With Kāinga Ora
<p>If you’ve been contributing to your KiwiSaver over the last 3 years, then you may be eligible for a First Home Grant or First Home Loan with Kāinga Ora.
Add Value To Your Property With A Home Improvement Loan
<p>Ways a Home Improvement Loan Can Help With Your Property Home 5 Blog Renovations are a great way to add value to your home and update it to
Sales and Purchase Agreements
<p>How do I actually make an offer on a property? Home 5 Blog Here’s a Video of an Offer I made to secure an Off the Plans Build
Offset Mortgage
<p>How an Offset Mortgage Can Help you Save Thousands on your Home Loan Home 5 Blog Channelling your everyday income and savings onto your mortgage can have a
Revolving Credit
<p>How to Properly Use Revolving Credit to Become Mortgage Free Faster Home 5 Blog “Hey John and Mary, awesome catching up again this morning thanks for your time!
The Bank of Mum and Dad
<p>The Bank of Mum and Dad How to buy your first home with no cash deposit using parents’ home as security Home 5 Blog Let’s start with understanding
No Deposit? – No Worries!
<p>No Deposit? No Worries! – Family Equity Loan’s Explained With the 20% Deposit requirements and ever increasing House Prices in Auckland, 1st Home Buyers are finding it harder and
How To Survive Your Mortgage In a Recession (Part 2)
Why ‘Non-Bank’s’ Will Be The Lifeline That Many (Unusually) Strong Borrowers Will Need in 2020. A ‘No’ could easily be a ‘Yes’. With rates from 3.39% fixed for 2
How to Survive (Your Mortgage) in a Recession
Prepare for the worst and hope you are wrong. Plan for a recession and if it does not happen, at least you have an excellent contingency plan in place.
Why Do So Many People Refinance?
Mortgage News – Refinancing (It’s not just about rates) Overview The OCR has remained unchanged this week alongside LVR restrictions. We are seeing a big tightening of credit in
Mortgage News for 2020 & The Power of KiwiSaver
Mortgage News & KiwiSaver Advice Overview Not much happening with interest rates at present, the banks are all cutting margins to gain business and also declining marginal applications that
Mortgage News – Rates Rises – First Home Buyers Alert
We all knew it couldn’t last forever. Interest rates have started to rise, with rates tables breaking out a rash of red arrows, especially for the longer terms. Floating
Exemptions Under The New Reserve Bank Rules. Do You Know Them All??
October saw the new investment property loan-to-value rules come into play (officially), as recently announced by the Reserve Bank. There is a lot of confusion around these borrowing rules
100% Guaranteed, Tax Free Returns
Term Deposits Vs Revolving Credit I routinely read the Saturday business columns of the likes of Mary Holm & Diana Clement. There are some great bits of advice that
1st Home Buyers Delight
Spring is all but here and the days are slowly but surely getting longer. As any proud dad I just had to post this pic of my beautiful wife and
Matt needs a fantastic p.a – do you know anyone?
Personal Assistant Role…Do you know someone who needs flexible hours? WANTED: Personal assistant for 20-30 hours p.w (negotiable). We are looking for someone who has excellent attention to detail,
Breaking News: Reserve Bank – New Rules for Investors
Latest Reserve Bank Announcement! The RBNZ has this morning put a 40% restriction on the banks in regards to investment lending. Note that while this effectively is not in
June Mortgage News
June has continued with the upward trend in rising house prices throughout the whole country not just Auckland! Once again no real let up in sight. How long can
Self Employed? Reduce Your ACC Levies!!
As a self-employed person I pay ACC every year. And like you I hate it! I’ve also been on the receiving end of ACC before, I dislocated my shoulder