Are you struggling to secure a home loan due to bad credit or unique financial circumstances? Second-tier lenders in New Zealand might be your lifeline. Unlike traditional banks, these lenders offer a valuable alternative for Kiwis who don’t meet standard lending criteria. Whether you’re self-employed, facing IRD tax arrears, have
When deciding how to best manage your home loan, you might be weighing up the pros and cons of a revolving credit vs offset mortgage. Each one offers unique benefits that could help you save on interest and reduce your loan term, depending on how you handle your finances. The
You’re standing in front of the perfect home, the kind that seems straight out of a dream, and ticks all your boxes. You excitedly share a photo with a friend, who immediately texts back – “It looks amazing! Have you thought about talking to a mortgage broker?” You pause for
Ever wonder how some people manage to snag seemingly unbeatable rates on their mortgages? The answer often lies with mortgage brokers—specialists who act as intermediaries between borrowers and lenders. So, is it true? Can mortgage brokers get better rates? Absolutely! Let’s dive into how our experts can make your mortgage
When exploring home loan options, we often think of banks as our go-to source. However, in New Zealand, there’s an array of non bank lenders that offer competitive and flexible lending solutions. These lenders can be a lifeline, especially for those who might not meet the strict lending criteria of
Table of Contents A home loan top up can be a practical option when you need extra funds. Essentially, it’s an additional amount you borrow on your existing mortgage. This can be a smart way to finance renovations, big-ticket purchases, or consolidate debt, with the advantage of home loan interest
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 are tons of catches and things to look out for and banks’ appetite for them is vastly different. This Video explains
Table of Contents 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. Kāinga Ora is a crown entity set up under the Kāinga Ora Homes and Communities Act 2019. ‘Kāinga’
Table of Contents How do I actually make an offer on a property? Here’s a Video of an Offer I made to secure an Off the Plans Build recently. Do not text the agent your offer. Do not simply email the agent your offer. You need to put pen to
