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Deciding whether to refix or refinance your mortgage can seem like a daunting task, especially when your fixed interest rate is about to
expire.
The decision will largely depend on your current financial circumstances, the prevailing market conditions, and the potential advantages of
switching lenders.
When it comes to home loans, not all banks view and assess an application in the same way. They all have varying policies and criteria. Things like self-employed income, overseas income, variable (bonus, commission etc.) income, or rental income and multi ownership structures may be treated differently, directly affecting the amount you can borrow.
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Attending an auction can be an overwhelming experience.
With so much pressure to make the right decisions, it's easy to get caught up in the excitement and lose sight of your goals.
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Whether you're a first-time buyer or an experienced investor, knowing how each sale and purchase method works can help you make an informed
decision. In this week's update, we'll explore the different ways to purchase property, providing you with valuable insights to help you
navigate the process successfully
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Private sales, also known as a private treaty, offer a unique opportunity to buy directly from the property owner.
While this approach can potentially save you money, it also comes with its own set of challenges, especially when it comes to securing your
financing.
I answered the phone last week with an excitable business development manager of a non-bank lender on the other end who knew that we deal a lot with property investors and who wanted to let us know their latest mortgage updates...
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As a mortgage adviser, I’ve witnessed firsthand how strategic mortgage refinancing can create significant financial opportunities for
homeowners.
With the Official Cash Rate (OCR) now at 3.75% and showing a downward trend, many people are wondering if now is the right time to
refinance.
Understanding the process of going unconditional on a property is an important step in the journey of home ownership or property
investment. This milestone signifies your commitment to the purchase, but it also requires careful financial readiness.
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As a first home buyer, you're probably aware that you can use your KiwiSaver to help with your deposit. But how do you actually get that money out in time? In this week’s update, we’ll break it down step-by-step to ensure you're not caught short when it's time to pay your deposit.
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If you’re considering taking your first step into property investment, 2025 presents a unique opportunity that shouldn’t be overlooked. In this article, we’ll check out why the New Zealand property market is ripe for investment and how you can navigate this exciting journey.
There’s a common belief among homeowners that paying your 30-year principal and interest mortgage weekly instead of monthly will help you pay it off faster. While this idea has some merit in certain cases, the reality is that the timing of your payments alone doesn’t inherently accelerate your mortgage repayment. Let’s unpack why...
With first-home buyers now making up 26.1% of NZ’s property market - the highest ever recorded - 2025 could be your year to make the move.
In this week’s update, we will give you our Top 10 Tips for what's happening with mortgages and house-buying, so you’re armed with
everything you need to know if you're planning to step onto the property ladder this year.