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5 Common Mortgage Mistakes

October 31st, 2019.

As mortgage advisers we often see clients in situations where they have gotten themselves into debt and aren’t always managing things in the most effective ways, and this includes first-home buyers and also property investors.

 

The most common mortgage mistakes we see are as follows:

 

  • Not shopping around for the best product/price

 

Clients often tend to go directly to their own bank who can offer them only one product (theirs). Banks come in and out of the mortgage market in terms of their competition for market share, and as a result can be more aggressive in terms of pricing and also how they assess clients, at certain periods. Discussing your options with a competent Mortgage Adviser will allow you to access a larger portion of the market and leverage from their expertise to get what is most suitable for you.

 

  • Interest-Only

 

Many clients don’t realize that an interest-only period actually chews into the loan term itself, and also extensions are subject to approval. Basically what this means is that if you take out a 30 year loan and have 5 years interest only, you only have the remaining 25 years to pay off the principal. The longer you extend those interest only periods (perhaps another 5, or 10 years) the shorter the time to repay the principal. In addition, when requesting extension it is subject to approval and when the credit market tightens can be harder to get approved. I would suggest understanding exactly when your interest only period expires (it is different to the fixed rate) so if you aren’t going to have this extended, you’re aware of what your new repayment could be – it could be a lot higher when comparing for example an Interest Only payment to a 15/20 year Principal & Interest payment.

 

 

  • Fixed Rates (Set and Forget)

 

Often people set and forget their mortgage rates once they are fixed. In a market like this one with rates trending down, it’s worthwhile seeing if breaking and re-fixing your mortgage is right for you. If the comparable cost of the new interest rate plus the break fee is better for you than your existing rate (compared over the remaining fixed term) then it often makes sense to break and re-fix.

 

  • Floating for Too Long

 

When rates trend downwards, clients often tend to float while they wait to capture the best rate. If you’re floating at 5% for 6 months while you wait for rates to drop, while you could’ve fixed for 3.55% on a 1 year rate for example, you end up paying an additional $725 in interest per $100k over that 6 month period. That means your rate when you fix needs to be 0.725% lower than the comparable 1 year rate (i.e. 3.55%-0.725%= 2.57%). Unfortunately that’s unlikely.

 

  • Large Credit Card Limits

 

People are often falsely told that having credit cards (in the NZ market) assists their credit score. While this may be beneficial in some areas – when it comes to mortgages they usually do more harm than good. When I say this I am strictly speaking about serviceability calculations with banks – at the time of writing they tend to take into account 3% of the total limit of your facilities, and load it as a monthly expense – even if they’re paid monthly, and even if you don’t use them! Be aware of this if you’re facing ‘affordability issues’ from the bank’s assessment perspective.

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Kawasan BSD city adalah kawasan perumahan yang sangat diminati saat ini. Anda bisa membeli rumah, atau ruko, atau bahkan kavling tanah di kavling BSD city ini. Semuanya akan menjadi investasi yang menguntungkan untuk anda. Jika anda tertarik anda bisa membeli ini di agen properti BSD City yang terpercaya. Rumah bsd dijual .
Salah satu kawasan perumahan di BSD yang saat ini mendapatkan banyak peminat antara lain adalah impresahaus BSD. Kawasan ini menawarkan beberapa perumahan dan ruko yang bisa anda beli dengan harga yang sangat terjangkau. Kawasan impresahaus BSD saat ini ditawarkan dengan harga yang sangat bersaing dan akan naik dalam waktu dekat karena cukup banyak diminati. Jika anda tertarik membeli rumah di kawasan impresahaus BSD ini, silahkan menghubungi kami. Impresahaus bsd .
Selain itu ada kawasan tabebuya business yang menawarkan rumah dan ruko yang bisa anda beli. Kawasan tabebuya business ini bisa menjadi investasi jangka panjang karena harganya akan semakin tinggi. Ini adalah kawasan perumahan yang menawarkan banyak fasilitas yang saat ini diminati para pencari rumah ataupun ruko. Dapatkan informasi yang lebih jelas lagi tentang kawasan tabebuya ini. Tabebuya bsd .
Jatiasih central city adalah salah satu kawasan perumahan yang sangat diminati saat ini. Ada banyak rumah di jatiasih central city yang sudah terjual saat ini. Jika anda mau membeli rumah di kawasan jatiasih central city, maka anda bisa menghubungi agen properti yang terpercaya. Beberapa agen properti yang menjual rumah di kawasan jati asih ini bisa anda hubungi di halaman website berikut ini. Jatiasih central city .
Salah satu kawasan perumahan lainnya yang bisa anda pertimbangkan adalah anabuki residence. Kawasan perumahan Anabuki residence ini memberikan banyak fasilitas bagi penggunanya. Jika anda tertarik membeli rumah di kawasan anabuki residence ini, anda bisa menghubungi agen properti di bekasi. Anabuki residence ini dikembangkan oleh agen properti yang berasal dari jepang dengan konsep yang sangat diminati saat ini. Rumah jatiasih .
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