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, providing buyers with an assurance […]
House Buyers Have CheckedOut For Building Reports Read More »
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 bank or secondly working with
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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 you wait and hope that
How Hard Would You Work To Buy Your First Home? Read More »
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 use mortgage advisers before banks.
Mortgage Advisers Don’t Try To Put Everyone In The Same Box Read More »
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 in most cases have very
The Satisfaction That Advisers Get Helping First Home Buyers Read More »
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 interest free – but they
It Costs Nothing To Review Your Debts Read More »
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 when applying for a home
People Are Choosing To Use Mortgage Advisers Before Banks Read More »
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 was realistic. The banks all
What Lenders Look For In Your Bank Statements Read More »
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 in your view you know
How Much Can I Borrow For A Home Loan? Read More »
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 what we call a hidden
The Hidden Risk With Buy Now Pay Later Read More »