Give us a call: (09) 486 4719
btn book free consultation

Blog

Email me when new posts are made to this blog

The third of the 5 C's - Capital, “Hurt Money”

August 30th, 2017.

The Third C, which many Kiwis are facing at the moment as the major hurdle for getting into the property market, particularly into their first home, is Capital.

Lenders will carefully consider the amount of capital a borrower puts toward a potential purchase, whether it be owner occupied, or investment. This can vary dependent on the type of property, and the type of lender, but through all main-banks in NZ the standard is currently a 20% capital (deposit) requirement for an owner occupied property or holiday home, or a 40% capital requirement for an investment property.

The larger the contribution by the applicants, the lower the risk of default, and we definitely know how risk averse banks are. Logically, if you are asking someone else (the bank) to put their funds into a transaction, it makes sense for them to see you have taken some financial risk in the same transaction. An important reason for this, is when you have more “hurt money” in the deal, you are more likely to go above and beyond to ensure repayments are made on time, every time.

Outside of the standard 80% and 60% LVR loans, there are other lending options worth noting:

For owner occupied properties there are above 80% loans, (subject to approval by the lender depending on their capacity to do so at the time). Approval is dependent upon the lenders having such funds available, as the RBNZ restricts the portion of said-lending with each bank. Equally important in obtaining an approval of this nature is the clients overall strength (Capacity, Character). These loans usually have additional conditions attached to them and a margin applied to the rates, or a low equity fee, which can be a portion of the loan amount.

There are non-bank lenders who don’t have to abide by RBNZ criteria, who can do up to 70-80% on investment properties. The nature of these lenders can vary significantly because they are usually privately owned, or governed by their own rules.

It’s worth checking with an expert who understands all different banks capital criteria, to see if there may be a more suitable lender for you. Contact me today for a chat.


Read all about the other C's in this 5 part series:

Part 1 - Character
Part 2 - Capacity
Part 3 - Capital
Part 4 - Collateral
Part 5 - Conditions

74 Comments

ntaletopoi says ...
<a href="http://valladium.com">cialis 5mg online usa</a> cialis online usa http://valladium.com
Walzacecit says ...
writing your thesis
http://essayfasthelp.com - write my paper for me
best custom paper writing service
<a href="http://essayfasthelp.com">write my paper for me
</a> - why do we have to write essays
dissertation outline
utaletqzgg says ...
<a href="http://baymontelreno.com">cialis 5mg</a> cialis cheap price http://baymontelreno.com
mtaletgzgv says ...
<a href="http://usedrestaurantequipmentaz.com">cialis coupon</a> cheap cialis canada http://usedrestaurantequipmentaz.com
ftaletfwjj says ...
<a href="http://canadian-pharmacyibuy.com">buy cialis legally online</a> is cialis available over the counter in usa http://canadian-pharmacyibuy.com
BruzeMop says ...
viagra.co.uk
http://viagrawithoutdoctorpharm.com - viagra without a doctor
viagra or viagra what is the difference
<a href="http://viagrawithoutdoctorpharm.com">viagra without a doctor
</a> - viagra australia
viagra risks
ktaletvqlo says ...
<a href="http://top-monterey-salinas-dentists.com">levitra online australia</a> viagra vs cialis vs levitra http://top-monterey-salinas-dentists.com
gtaletisax says ...
<a href="http://gigawatt6.com">get cialis prescription online</a> cheap cialis 2 5mg http://gigawatt6.com
ntalettgmh says ...
<a href="http://waltzweekend.com">cheap viagra pills</a> buy viagra http://waltzweekend.com
utaletkwmh says ...
<a href="http://h-m-j.com">order brand viagra online</a> herbal viagra http://h-m-j.com
TzomasEnelt says ...
unterschied levitra levitra buy levitra online
http://levitragls.com - levitra 20mg
levitra and naturists gallery
<a href="http://levitragls.com">levitra 20mg
</a> - levitra experiences
online purchase female levitra
qtaletzjle says ...
<a href="http://zbloggers.com">propecia vs finasteride</a> do you need a prescription for propecia http://zbloggers.com
vtaletgjts says ...
<a href="http://viciolatino.com">generic viagra pills</a> order viagra online canada http://viciolatino.com
italetmaik says ...
<a href="http://canadian-pharmacyiorder.com">cialis from usa</a> order generic cialis online http://canadian-pharmacyiorder.com
utaletdwax says ...
<a href="http://waltzweekend.com">order viagra online</a> generic viagra http://waltzweekend.com
etaletphqv says ...
<a href="http://canadian-pharmacheap.com">best place to buy generic cialis online</a> buy cialis in uk online http://canadian-pharmacheap.com
ctaletivxb says ...
<a href="http://canadian-pharmasale.com">generic cialis usa buy</a> cialis for sale cheap http://canadian-pharmasale.com
SazuelGep says ...
viagra generic reviews mark forums read
http://viagrawithoutdoctorpres.net - viagra without doctor
cheapest generic viagra viagra
<a href="http://viagrawithoutdoctorpres.net">viagra no prescription
</a> - viagra tadalafilo guestbook-add.html
viagra 20 mg give better perfomance than 10
btaletwtbu says ...
<a href="http://canadian-pharmausa.com">buy viagra cheaply</a> viagra super active caps http://canadian-pharmausa.com
ctaletmcxf says ...
<a href="http://canadian-pharmacheap.com">buy cialis overnight delivery</a> cialis 40 mg online http://canadian-pharmacheap.com
ntaletwopv says ...
<a href="http://baymontelreno.com">cialis dosage</a> cialis for sale usa http://baymontelreno.com
Olizerkig says ...
cheap assignment writing service
http://essaypromaker.com - write my essay
paraphrasing websites
<a href="http://essaypromaker.com">writing help
</a> - custom writing website
writing services
Zalternib says ...
cialis testimonials guestadd.html
http://tadalafilatwalmart.net - cialis over the counter at walmart
cialis generics centro de informaciA?n
<a href="http://tadalafilatwalmart.net">cialis at walmart
</a> - cialis cialis comparison
cialis side effects last active
Gabzielrof says ...
compare cialis, levitra, cialis
http://walmartcialis.com - generic cialis at walmart
cialis generic online registered users
<a href="http://walmartcialis.com">cialis over counter at walmart
</a> - does cialis work better than cialis cbbs.cgi?mode=
cialis dosage
Kezinsem says ...
viagra 10mg how long does it last jump to
http://glviagragtr.com - cheap viagra
cure for ed
<a href="http://glviagragtr.com">viagra pills
</a> - discount viagra
viagra 10mg how long does it last memberlist
FavidZor says ...
viagra 5mg in total there are
http://xlviagragtr.com - buy generic viagra online
viagra for daily use commercial subject
<a href="http://xlviagragtr.com">buy generic viagra online
</a> - viagra coupon online recently updated
viagra 20mg tablets you cannot reply to topics in this forum
Donazdhoubs says ...
cialis tadalafil nhs cost
http://viagra-genericx.us - viagra generic
cialis and alcohol mix total members
<a href="http://viagra-genericx.us">generic viagra
</a> - cialis cialis discount
cialis 20mg tablets legend
Jaheskeecy says ...
head girl application letter
http://writemyessayhelpcenter.com - write my essay essay proofreading online
<a href="http://writemyessayhelpcenter.com">write my essay</a> - pay to do my paper
custom term papers
StezeHoulp says ...
cheap cialis no prescription
http://viagra-genericz.us - viagra generic
cialis 10mg username
<a href="http://viagra-genericz.us">buy generic viagra
</a> - cialis at age 70
cialis 20 mg 4 tablet forum software
Zasonjow says ...
cbd pills for pain
http://cbdoilforsales.com - cannabidiol
cbd oil side effects
<a href="http://cbdoilforsales.com">cannabidiol
</a> - cbd without thc vape
1000mg cbd vape oil
TezryHab says ...
best cbd oil for back pain
http://bestcbdoil4pain.com - best cbd oil
cbd no thc vape
<a href="http://bestcbdoil4pain.com">cbd
</a> - cbd dosage for ptsd
cbd oil for pain management
Zarrywride says ...
levitra 20 mg cost profile
http://levitragtr.com - levitra 20 mg levitra vs levitra vs levitra post_comment.php?u=
<a href="http://levitragtr.com">levitra 20 mg</a> - canadian pharmacy levitra 20mg registered users
levitra.com.my guestbook.php?action=
RobeztSnutt says ...
mail order viagra viagra
http://xlviagracan.com - viagra for sale viagra location
<a href="http://xlviagracan.com">viagra for sale</a> - viagra vs viagra pros and cons
prices viagra
Dazonclext says ...
viagra coupon previous next
http://glviagragtr.com - viagra generic generic viagra online
<a href="http://glviagragtr.com">viagra generic</a> - buy discount viagra
viagra for women blogs centro de informaciA?n
Bryaztrhity says ...
what is cbd oil
http://cbdvapejuice1.com - cbd vape juice
cbd vape starter kit
<a href="http://cbdvapejuice1.com">cbd vape pen
</a> - cbd oil effects
cbd relieve
JafesAxors says ...
cbd drops how to use
http://cannabisoil-cannabidiol.com - cbd oil benefits
how to use cbd oil
<a href="http://cannabisoil-cannabidiol.com">cbd oil benefits
</a> - cbd without thc for sale
hemp cbd oil
ptaletvhip says ...
<a href="http://writeessayhtfd.com">buy viagra online discount</a> brand viagra 4 pills http://writeessayhtfd.com
italetcdtn says ...
<a href="http://lizlarssen.com">generic viagra prices</a> cost of viagra http://lizlarssen.com
mtalethezj says ...
<a href="http://lizlarssen.com">order viagra professional 120 pills</a> where to buy viagra over the counter http://lizlarssen.com
utaletmagi says ...
<a href="http://lizlarssen.com">buy viagra professional canada</a> is viagra otc in usa http://lizlarssen.com
vtaletfzja says ...
<a href="http://lizlarssen.com">cheap female viagra</a> cheap viagra europe http://lizlarssen.com
wtaletofpz says ...
<a href="http://writeessayhtfd.com">viagra for sale in usa</a> order real viagra http://writeessayhtfd.com
ataletyvxe says ...
<a href="http://lizlarssen.com">order viagra generic 100mg</a> order viagra super active http://lizlarssen.com
italetduqp says ...
<a href="http://writeessayhtfd.com">buy viagra sample</a> mail order viagra uk http://writeessayhtfd.com
WilliamHox says ...
online doctor prescription cialis
cialis ervaringen
<a href=https://kellyannehulme.com>cheap price</a>
average price of cialis 20mg
sams club pharmacy cialis price
https://greatwinesgrandhouses.com
cialis 20mg online
online cialis scams
<a href=https://kellyannehulme.com>cheap price</a>
shop for generic cialis
cialis for young men
https://kellyannehulme.com
DavidGairM says ...
generic prices on dvd cialis
womens cialis reviews
<a href="http://kaivanrosendaal.com/">generic cialis</a>
cialis tablets without prescription
avete mai comprato cialis online
<a href=http://kaivanrosendaal.com>cialis vs viagra</a>
cialis effects on men
first med cialis
http://kaivanrosendaal.com/#cialis-20-mg
DavidGairM says ...
cialis canada toll free
inexpensive cialis online
<a href="http://kaivanrosendaal.com">cialis side effects</a>
authentic cialis online
comprar cialis en bogota colombia
<a href=http://kaivanrosendaal.com>generic cialis tadalafil</a>
best discount cialis
cialis pills for sale
http://kaivanrosendaal.com/#cialis-lowest-price
DavidGairM says ...
buying soft cialis on line
find cheap cialis no prescription
<a href="http://kaivanrosendaal.com">Cialis Cheap Buy Online</a>
buy cialis tablets uk
buy cheap cialis discount online
<a href=http://kaivanrosendaal.com>cialis prices</a>
cialis consegna 24 ore
cialis free sample offer
http://kaivanrosendaal.com/#cialis-canada
DavidGairM says ...
generic cialis 20mg best buy mexico
buy cialis for daily use online
<a href="http://kaivanrosendaal.com">Buy Cheap Cialis</a>
pharmists in canada cialis
cialis in dubai pharmacy
<a href=http://kaivanrosendaal.com>generic for cialis</a>
cialis nose bleeds
prescription cialis quebec
http://kaivanrosendaal.com/#viagra-vs-cialis
DavidGairM says ...
cialis results review
cialisonline-usa.com
<a href="http://kaivanrosendaal.com/">cialis free trial</a>
cialis paypal check
best place to buy liquid cialis
<a href=http://kaivanrosendaal.com>Cheap Cialis</a>
comprar cialis na belgica
cialis free
http://kaivanrosendaal.com/#online-cialis
DavidGairM says ...
order cialis or viasgra from canada
does cialis work after prostatectomy
<a href="http://kaivanrosendaal.com/">cialis canada</a>
generic cialis online europe
erfahrung mit cialis
<a href=http://kaivanrosendaal.com>cialis vs viagra</a>
cialis online bestellen tipps
cialis professional online canadian pharmacy
http://kaivanrosendaal.com/#how-does-cialis-work
DavidGairM says ...
cialis aus deutschland
cialis super active comprar barato
<a href="http://kaivanrosendaal.com/">Cialis Cheap Buy Online</a>
cialis for sale mexico
taking cialis
<a href=http://kaivanrosendaal.com>Buy Cheap Cialis</a>
tadalafil cialis ohne rezept
canadian off brand cialis
http://kaivanrosendaal.com/#Cialis-Cheap-Buy-Online
DavidGairM says ...
cialis osterreich
cialis for erection
<a href="http://kaivanrosendaal.com">Cheap Cialis</a>
cialis antibiotics
when does cialis wear off
<a href=http://kaivanrosendaal.com>cialis 20 mg best price</a>
cheap cialis 20mg pills
cialis 10mg online australia
http://kaivanrosendaal.com/#cialis-30-day-sample
DavidGairM says ...
vendita online cialis originale
generic cialis for sale
<a href="http://kaivanrosendaal.com/">cialis side effects</a>
brand name cialis from japan
cialis cialis
<a href=http://kaivanrosendaal.com>Cheap Cialis</a>
when does cialis go off patent
cialis pharmacy cost
http://kaivanrosendaal.com/#Cialis-Cheap-Buy-Online
DavidGairM says ...
generic cialis for sale online
buy cialis japan
<a href="http://kaivanrosendaal.com">generic cialis tadalafil</a>
wirkung von cialis
is prescription needed for cialis
<a href=http://kaivanrosendaal.com>cialis cost</a>
cialis brand 40mg
cialis symptoms
http://kaivanrosendaal.com/#interactions-for-cialis
DavidGairM says ...
cheap cialis100mg
buy cialis apps/forum
<a href="http://kaivanrosendaal.com/">cialis purchasing</a>
cialis drug store
best price for cialis tablets 5 mg
<a href=http://kaivanrosendaal.com/>cialis online</a>
cialis prescription insurance coverage
cialis generika auf rechnung
http://kaivanrosendaal.com/#cialis-20-mg-best-price
DavidGairM says ...
buy real cialis online canada
buying cheap cialis online
<a href="http://kaivanrosendaal.com">what is cialis</a>
cialis canada free trial
cialis in philippines
<a href=http://kaivanrosendaal.com/>Cheap Cialis</a>
cheap cialis prices
cialis barato online
http://kaivanrosendaal.com/#cialis-generic
DavidGairM says ...
cialis express shipping
inexpensive cialis online
<a href="http://kaivanrosendaal.com/">Buy Cheap Cialis</a>
cialis with avodart
buy cialis 5mg canada
<a href=http://kaivanrosendaal.com/>viagra vs cialis</a>
best online cialis store com review
canada pharmacy cialis
http://kaivanrosendaal.com/#cialis-lowest-price
ArnoldNew says ...
cialis mastercard
what happens if i take two cialis
<a href="http://xcialisxx.com">Cheap Cialis buy</a>
cialis online rezeptfrei aus kanada
buy cialis super active paypal
<a href="http://cialistlm.com">Cheap Cialis</a>
farmacia online cialis europa
canada drug pharmacy cialis
<a href="http://cialistlm.com">Cheap Cialis</a>
DavidGairM says ...
cialis-shop.nl ervaringen
cialis_original_10mg
<a href="http://kaivanrosendaal.com">Cialis Cheap Buy Online</a>
generic cialis tadalafil best buys
cialis cost per pill 2013
<a href=http://kaivanrosendaal.com/>200 cialis coupon</a>
cialis for sale glendale ca
is it illegal to buy generic cialis
http://kaivanrosendaal.com/#cialis-cost
DavidGairM says ...
5mg cialis lilly online
cialis with dapoxetene
<a href="http://kaivanrosendaal.com/">5 mg cialis coupon printable</a>
buying generic cialis
cialis in canda health mart
<a href=http://kaivanrosendaal.com>cialis generic</a>
cialis online usa
cialis generika gunstig
http://kaivanrosendaal.com/#online-cialis
DouglasToice says ...
http://sdfgdfsgfdhfgjkur.com/
<a href=http://sdfgdfsgfdhfgjkur.com/#>cialis kaufen europa</a>
<a href="http://sdfgdfsgfdhfgjkur.com/#">cialis soft barato</a>
utaletckgv says ...
<a href="http://canadian-drugqmrp.com">cheapest cialis online</a> <a href="http://viciolatino.com">cheap viagra pills online</a> <a href="http://sonyaw.com">cheap viagra free shipping</a> <a href="http://thecapriclub.com">buy viagra online canadian pharmacy lowest prices</a>
gtaletzqzb says ...
<a href="http://writeessayhtfd.com">buy viagra brand</a> <a href="http://bullsac.com">buy brand levitra</a> <a href="http://sonyaw.com">where can i buy viagra with paypal</a> <a href="http://thecapriclub.com">what happens if a girl takes viagra</a>
mtaletzqvq says ...
<a href="http://writeessayhtfd.com">cheap viagra online</a> <a href="http://viciolatino.com">viagra cheap online canada</a> <a href="http://timsbmw.com">levitra effect</a> <a href="http://thecapriclub.com">viagra online canadian pharmacy</a>
ztaletnfye says ...
<a href="http://writeessayhtfd.com">mail order viagra legitimate</a> <a href="http://lizlarssen.com">is viagra otc in usa</a> <a href="http://spoonerstudios.com">cialis daily use buy online</a> <a href="http://missreplicawatches.com">cheap cialis online india</a>
rtaletmowq says ...
<a href="http://writeessayhtfd.com">order viagra 100mg</a> <a href="http://viciolatino.com">buying generic viagra online</a> <a href="http://waltzweekend.com">buy viagra super active caps</a> <a href="http://spoonerstudios.com">can women take cialis</a>
etaletugkr says ...
<a href="http://canadian-drugqmrp.com">buy cialis online overnight shipping</a> <a href="http://bullsac.com">cost of levitra per pill</a> <a href="http://timsbmw.com">bayer levitra online</a> <a href="http://spoonerstudios.com">prescription cialis usa</a>
ztaletkvvu says ...
<a href="http://canadian-drugqmrp.com">cialis viagra</a> <a href="http://rabbitinahat.com">order generic cialis online no prescription</a> <a href="http://spoonerstudios.com">buy cialis in the usa</a> <a href="http://missreplicawatches.com">cialis professional 20 mg</a>
rtaletdttq says ...
<a href="http://writeessayhtfd.com">viagra online</a> <a href="http://bullsac.com">levitra half life</a> <a href="http://timsbmw.com">how long does levitra work</a> <a href="http://thecapriclub.com">buy viagra online cheap</a>
ataletptcx says ...
<a href="http://lizlarssen.com">viagra model</a> <a href="http://lizlarssen.com">generic viagra price</a> <a href="http://timsbmw.com">cialis vs viagra vs levitra</a> <a href="http://elrenofuneralhome.com">cialis super active usa</a>
mtaletzidz says ...
<a href="http://essaybuyhtd.com">cialis viagra</a> <a href="http://bullsac.com">levitra 5mg</a> <a href="http://sonyaw.com">viagra new york</a> <a href="http://thecapriclub.com">generic viagra professional</a>
SazuelAlIed says ...
viagra shelf life
http://viagrawithoutdoctorpharm.com - viagra without a doctor prescription usa
online order lilly viagra
<a href="http://viagrawithoutdoctorpharm.com">viagra without prescription
</a> - viagra 5 mg coupon the team
viagra view unanswered posts
btaletvbff says ...
<a href="http://canadian-drugqmrp.com">buy generic cialis online canada</a> <a href="http://rabbitinahat.com">can i order cialis online</a> <a href="http://sonyaw.com">buy viagra cheap</a> <a href="http://spoonerstudios.com">canadian cialis</a>

GET IN TOUCH FOR FREE, NO-OBLIGATION ADVICE ON YOUR NEXT INVESTMENT

“ *As a rule, we advise that you contact us as early as possibly to secure the most suitable time for your consultation.
Product Query

First Name*
Email*
Phone
 

CONTACT US

Kris Pedersen Mortgages Limited

+64 9 486 4719
info@krispedersen.co.nz
Skype: Kris_Pedersen    
Takapuna Office
 
388 Lake Road
Takapuna
Auckland 0622
Newmarket Office
 
Level 6
135 Broadway
Newmarket
Auckland 1023
Postal Address
 
PO Box 33650
Takapuna
Auckland 0740