[
	{
		"post_id": "236", 
		"post_category_id": "1", 
		"post_title": "Buying with a Low Deposit Here’s the Cost Most People Miss.", 
		"post_content_short": "Getting a deposit together to buy your first home is no small feat.\n<br \/><br \/>And for many Kiwis, that means getting in with less than 20%.\n<br \/><br \/>Which, to be fair, can be a smart move - it gets you on the property ladder sooner.\n<br \/><br \/>But there&rsquo;s one cost that often gets overlooked…\n<br \/><br \/>And it can quietly add thousands to your mortgage.\n<br \/>", 
		"post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/236\/Buying-with-a-Low-Deposit3.jpg", 
		"post_content_type": "page", 
		"post_content_url": "https:\/\/www.krispedersen.co.nz\/testimonials\/buying-with-a-low-deposit-heres-the-cost-most-people-miss\/", 
		"post_date": "2026-04-29 21:01:23"
	}, 
	{
		"post_id": "224", 
		"post_category_id": "1", 
		"post_title": "The Hidden Risk in Building Your Property Portfolio With One Bank.", 
		"post_content_short": "When you start building a property portfolio, the most natural thing to do is place each new loan with your existing bank.It feels\nefficient.<br \/>\nConvenient.<br \/>\nSimple.", 
		"post_icon": "https:\/\/www.krispedersen.co.nz\/media\/website_posts\/224\/one-bank-risk2.png", 
		"post_content_type": "page", 
		"post_content_url": "https:\/\/www.krispedersen.co.nz\/testimonials\/the-hidden-risk-in-building-your-property-portfolio-with-one-bank\/", 
		"post_date": "2026-02-17 18:59:13"
	}, 
	{
		"post_id": "6", 
		"post_category_id": "1", 
		"post_title": "Tony Fraser-Jones", 
		"post_content_short": "Kris has provided us with outstanding service as our mortgage broker.<br \/>\n<br \/>\nPreviously to Kris, we had worked with two brokers who both had excuses as to why they could not find us the finance we required.<br \/>\nKris spent time understanding our goals and financial position and gave us plenty of finance options to consider.<br \/>\nKris works hard to understand what finance options will work for each particular property and how to improve your borrowing potential for future purchases.<br \/>\nKris has the all important ‘can do’ attitude.<br \/>\n<br \/>\nI have recommended Kris to several of my investor colleagues.", 
		"post_icon": "", 
		"post_content_type": "none", 
		"post_content_url": null, 
		"post_date": "2022-12-08 00:46:38"
	}, 
	{
		"post_id": "5", 
		"post_category_id": "1", 
		"post_title": "Elena Kostugova", 
		"post_content_short": "I met Kris by recommendation a few months ago.<br \/>\nSince then Kris has helped me and my friends to obtain finance for various properties.<br \/>\nI enjoy dealing with Kris very much because he thinks fasts and acts promptly. He is also very experienced and upfront; he often can provide\nvaluable advice on the spot, which I value a lot.<br \/>\n<br \/>\nI recommend Kris to my friends without hesitation.", 
		"post_icon": "", 
		"post_content_type": "none", 
		"post_content_url": null, 
		"post_date": "2022-12-08 00:45:38"
	}, 
	{
		"post_id": "4", 
		"post_category_id": "1", 
		"post_title": "Marti Amos", 
		"post_content_short": "From working with and knowing many mortgage brokers, I know that many understand finance but have a poor comprehension of property investment.<br \/>\nWith growing my investment portfolio I needed someone who understood both.<br \/>\nYour knowledge, the advice you imparted and speed at which things were put together were invaluable for me in securing my latest investment\npurchase.<br \/>\n<br \/>\nUntil my next one.", 
		"post_icon": "", 
		"post_content_type": "none", 
		"post_content_url": null, 
		"post_date": "2022-12-08 00:44:42"
	}, 
	{
		"post_id": "3", 
		"post_category_id": "1", 
		"post_title": "Murray Willis", 
		"post_content_short": "After trying for 2 months to get short term bridging finance through 2 banks and another broker with no result, I approached Kris and had iit sorted within days.<br \/>\n<br \/>\nVery efficient and great communication.<br \/>\n<br \/>\nHighly recommended.", 
		"post_icon": "", 
		"post_content_type": "none", 
		"post_content_url": null, 
		"post_date": "2022-12-08 00:43:45"
	}, 
	{
		"post_id": "2", 
		"post_category_id": "1", 
		"post_title": "Lisa Swanepoel", 
		"post_content_short": "I just wanted to let you know that Ryan Smuts has been fantastic to deal with. He is very pleasant and easy to deal with and keeps us up to date all the way about where things are at.<br \/>\nHe has managed to pull off a loan approval when the banks are holding on to their money for life and look for reasons to shoot down loan\napprovals.<br \/>\n<br \/>\nWe are very impressed with Ryan and he is a great asset to your team.", 
		"post_icon": "", 
		"post_content_type": "none", 
		"post_content_url": null, 
		"post_date": "2022-12-08 00:42:50"
	}, 
	{
		"post_id": "1", 
		"post_category_id": "1", 
		"post_title": "Josh Cunliffe", 
		"post_content_short": "Buying my house on my own was a pretty stressful process, Ryan and Serena worked brilliantly with me, my lawyer and banks to secure my new\nmortgage and home on the same day as settling on my previous home! Highly recommend this team.<br \/>\n<br \/>\n&nbsp;A+ Cheers.", 
		"post_icon": "", 
		"post_content_type": "none", 
		"post_content_url": null, 
		"post_date": "2022-12-08 00:40:00"
	}
]