Blog
A collection of articles, stories, tips and tools designed to keep you informed about the Mortgage market.
Let’s talk about ‘Break Fees’
Break fees are charged by lenders when a fixed term loan is repaid early and the lender can only ‘on lend’ that money to someone else, at a lower rate. This has not been an issue over the...
Property Investing 101: The ‘One Bank’ Trap
When it comes to investing in properties, many people find themselves faced with a common question: Should you secure multiple properties with the same bank or spread your investments across...
A lot of change Winter 2024
Lending is seeing a lot of changes currently so here's a breakdown of what to expect. Loan to Values (LVR's) Currently a bank can only lend up to 25% of its money to owner occupiers with less...
Options for when your ‘Interest Only’ term expires
In an increasing interest rate environment, coming off a low interest rate PLUS coming to the end of an ‘Interest Only’ term, can be financially traumatic! Be proactive and explore your options....
When a Bank can’t help, where can I get a Home Loan at Bank rates?
Good question! We are asked this a lot, so here's our guide to 'close to, but not a Bank, lending'. The first thing we ask is why? What is it about the application that makes the Bank say No? There...
4 Tiers of Non-Bank Lending: What You Need to Know
It’s currently a struggle for every New Zealander: trying to get the bank to approve their home loan. Lending restrictions are tighter than ever, even for New Zealanders with a perfect credit...
The New Zealand housing market: Is now a good time to buy?
The New Zealand housing market has experienced some major ups and downs in recent months due to some interesting regulatory changes as well as wider global economic conditions. House prices...
4 Reasons we are not in a ‘crash’
There's a lot in the press about house prices and which way they will go. What's not said (because it's not 'newsworthy') is that we've been here before and thrived. House prices always go up over...
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