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CheckedOut for building report sharing
February 9, 2023

House Buyers Have CheckedOut For Building Reports

Comments Off Your First Home

When you are buying a home it makes sense to get it checked out by a building inspector, but that can end up costing you quite a lot and that is where CheckedOut can help. CheckedOut act as an intermediary service, providing an independent verification process over building inspection reports,

Stuart Wills Read more
January 4, 2023

Know The Difference Between Banks Versus Mortgage Brokers

Comments Off First Home Grants Mortgage Advisers Shared Ownership Your First Home

You may be wondering what the difference is between banks versus mortgage brokers, or mortgage advisers as we now refer to them in New Zealand. When looking for a good mortgage for your first home, or even the next home there are two main options: firstly going directly through a

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November 14, 2022

How Hard Would You Work To Buy Your First Home?

Comments Off Assessing Income Your First Home

It’s always been hard to buy your first home but many are working harder to make it a reality. So the question is how hard would you work? Would you work harder if it was the difference between being able to buy your first home or stay renting? Or would

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November 7, 2022

Mortgage Advisers Don’t Try To Put Everyone In The Same Box

Comments Off Account Conduct Mortgage Advisers Your First Home

Every person is different, and yet the banks try to squeeze everyone in the same box. Mortgage advisers will look at what makes your situation personal to you, and find a box that can be shaped to suit. As the New Zealand lending market gets harder, people are choosing to

Stuart Wills Read more
October 19, 2022

The Satisfaction That Advisers Get Helping First Home Buyers

Comments Off Your First Home

I’ve been a mortgage adviser for over 25-years now and I often get asked what I love about the work, and the first thing that springs to mind is the satisfaction of helping first home buyers. First home buyers are new to the process of getting their “first” home, and

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September 20, 2022

It Costs Nothing To Review Your Debts

Comments Off Debt Consolidation

As financial advisers we see a lot of people that may want to buy their first home, but first they need to pay off their debts – credit cards, store cards, hire purchase, personal loans and vehicle loans. Some of these may be interest free, or may have started as

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August 31, 2022

People Are Choosing To Use Mortgage Advisers Before Banks

Comments Off Account Conduct Mortgage Advisers

As the New Zealand lending market gets harder, people are choosing to use mortgage advisers before banks. In the past people have often gone directly to “their” bank as they had a relationship there and felt that because of the history with that bank it was going to prove helpful

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August 20, 2022

What Lenders Look For In Your Bank Statements

Comments Off Account Conduct

Lenders are now looking at spending and bank statements in more detail when assessing people for a mortgage approval. Previously you would be asked what you spend and your mortgage adviser and the lender at the bank would check your statements and situation to make sure that what you stated

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August 2, 2022

How Much Can I Borrow For A Home Loan?

Comments Off Assessing Income Your First Home

Of course everyone wants to know “how much can I borrow for a home loan?” but it’s not always easy to find out. You may have looked at the banks websites and tried one of the mortgage calculators so you have already worked out what you are comfortable with, and

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July 21, 2022

The Hidden Risk With Buy Now Pay Later

Comments Off Your First Home

Most people don’t know that when you use a Buy Now Pay Later payment arrangement you are given a credit limit, and that even after the debt is paid off your account remains active, and that credit limit is included in any future finance or home loan application. This is

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Recent Posts

  • The Less Known Rules For The First Home Loan Scheme
  • Why Do Lenders Care About Your Account Conduct?
  • What Is The Shared Equity Tick?
  • Open Your Eyes When Buying Your Home
  • Getting Approved Is One Thing

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