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 paper if you
How an Offset Mortgage Can Help you Save Thousands on your Home Loan Channelling your everyday income and savings onto your mortgage can have a dramatic effect on the total interest payable and the term of your home loan. Less interest charged, mortgage free faster! It’s that simple. On average
How to Properly Use Revolving Credit to Become Mortgage Free Faster “Hey John and Mary, awesome catching up again this morning thanks for your time! Once again just to confirm and summarise what we discussed… Loan Structure – $50,000 Revolving Credit – $850,000 Fixed for 12m @2.50% Revolving Credit Explained
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 Yrs and 3.49% variable rates, some non-bank lenders are more competitive than the main banks! Last month we talked about the
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 general and to risk repeating myself in our last newsletter the non-bank and ‘second-tier’ lenders are emerging as a very viable
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 1-2 years ago would have been approved. This is all part of the fallout from the Royal Commission in Australia plus
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 rates are also starting to nudge upwards, despite the incredibly low 1.75% official cash rate. Despite this we’ve been busier than
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 our daughter Madelyn, 5 Months old – enjoying a bit of sun in the park over the weekend. With the new changes
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 this continue? In my opinion simple – as soon as supply out strips demand. However based on all of the current
