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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.
Depending on the bank and the purpose of your lending (i.e. owner occupied or investment property), pre-approvals for finance can have
different expiry timelines.
Most pre-approvals expire after 60-90 days and that can go by fast.
This is where you really need to be proactive with your house hunting once you get your pre-approval in place. You’re not always going to
purchase the first property you see, so it can be a very time consuming process.
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.
Buying a home is a major financial commitment, and one of the first steps you should take is to get pre-approved for a mortgage. Pre-approval is a process where a lender assesses your financial situation and determines how much money they are willing to lend you for a home purchase. In this week's update, we will explore why it’s a good idea to be pre-approved before you go house shopping, and what you will need in order to secure a pre-approved home loan.
As a first home buyer, 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.
However, with careful planning and preparation, buying your first home at auction can be a rewarding and successful experience.
When it comes to securing a home loan, many borrowers are faced with the decision of whether to approach a bank directly or enlist the
services of a Mortgage Adviser.
Both options have their advantages and understanding the role of a Mortgage Adviser and the potential costs involved is essential in making
an informed decision...
The number of New Zealanders transitioning from low fixed rates over the next few months is expected to create more financial pressure on
households.
While seeking ways to offset this impact, taking a "mortgage holiday" may seem tempting, but in reality it should be seen as a last resort
if you’re facing financial hardship...