A collection of articles, stories, tips and tools designed to keep you informed about the Mortgage market.
There has been recent news on Bowel Cancer. This disease has become one of the significant causes of death in our society – one in three of us will get bowel cancer. That’s scary, and what’s worse...
Capital Gains Tax, what CGT? For the vast majority of Kiwis there is no change. The IRD has always had the power to tax traders. The latest Reserve Bank restrictions on borrowing will do little to...
As a Mortgage Broker we constantly keep people up to date with whats happening that affects the ability to borrow and what can be done to assist. The new restrictions announced last week are....
With the explosion of new house and apartment building projects, we are getting a lot of inquiries about mortgages with settlement a long way into the future. This is called buying ‘Off Plan’....
Spring is here and lots happening in the world of Mortgages. Fix or Float? A lot of people ask this question and my advice is as we are in a rising rate market it’s good to fix for at least 2 or 3...
There has been a lot of press recently about Bank pulling back from 95% borrowing so here’s a few pointers to a successful application. Go for 94% Make sure any debt is less than the deposit being...
Accept second best – why would you? When it comes to getting a Mortgage, many people do just that. Why? Because they go direct to their own Bank and assume that the Bank will offer them the best...
With the current crop of lower and lower interest rates it’s hard to believe that less than four years ago 9% was not a bad deal from the Bank! During the GFC more and more people focused on...
Best mortgage rates, 10% deposit owner occupied and 20% rental purchase, self employed with no financials and help for those with bad credit or arrears.
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