A collection of articles, stories, tips and tools designed to keep you informed about the Mortgage market.
Did you know that recently the Reserve Bank changed bank lending criteria for property investors? With restrictions placed on loan-to-value ratios (LVR), investment loans in New Zealand require a...
If you’ve been looking to get into the property market with your first home, you may have been hearing a lot about ‘loan-to-value ratios’ and the current restrictions being placed on them. Young New...
In the past, home buyers had only banks, credit unions and building societies to apply to for a home loan. For New Zealanders with low income, self-employment, or less than ideal credit history, it...
The OCR came down yesterday to a record low and most homeowners and buyers looking to see what effect this will have on short term rates which are already at a 50 year low too. The Reserve Bank is...
People fear what they don’t understand. A good example is the purchase of a home. Most people know very little about the home buying process. Between finding the right house, making sure it won’t...
The world of home loans can be a difficult terrain to manoeuvre, especially for first-time buyers. There are a wide range of different products and facilities that need to be looked at and...
Question for you… How many years from now do you want to own your home free and clear of debt? As you may already know, paying your mortgage off the traditional way takes 25 to 30 years and costs...
Have assets but need cash and the Bank being difficult?, Pawning an item might be a way of providing short term finance. So, when you go into a pawn shop, does the pawn shop run a background check...
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