It’s now been over three weeks since the Reserve Bank of New Zealand removed the loan-to-value-ratio (LVR) funding restrictions but we are still waiting for the banks to start offering low deposit home loans. The banks are now technically allowed to lend as much as they like. They could lend

So you are sick of wasting money on rent and know that you can afford a home loan but the bank says it can’t approve your home loan. You have checked on the online mortgage calculators and it is quite within your budget. But the bank keeps saying you cannot

It was a year ago when Justin first approached us to ask about arranging finance to buy a family home. The situation was not simple due to having two defaults listed on the credit report, and income was marginal too. But Justin was determined to buy a family home and

Does This Sound Like You? Many first home buyers struggle with deposits. You know that you can afford the repayments and often they look lower than what you are paying in rent. Buying a home seems like an obvious thing to do except the banks require a larger deposit than