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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

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

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

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

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

<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.

<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

<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

<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

<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!

<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

<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

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

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.

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 & 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

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

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

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

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

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,

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 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

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

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

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

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

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

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

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

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

<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.

<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

<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

<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

<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!

<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

<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

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

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.

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 & 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

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

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

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

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

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,

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 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

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