It no secret that it is hard to buy your first home, but it’s “almost a secret” about the help to buy available too. Successive…

Have you heard of co-ownership with property? It’s a way to get into your first home when you do not have a large deposit. Traditionally…

You’ve found a home, but have you decided on what home loan suits? Often people compare the various banks saying the best loan is the…

Did you ever wonder why the saying “Home Sweet Home” isn’t “House Sweet House” ?  I think the answer is quite obvious… “a house” is…

As mortgage advisers we often uncover unpaid fines and the applicants are surprised when we say you need to disclose unpaid fines. After all an…

When you are buying your first home is unlikely to be your forever home… it’s not the dream home that you plan to live in…

Saving your first home deposit is not easy and in areas where houses are more expensive you will need a bigger deposit which makes things…

When a lender is assessing a mortgage application they will access your credit check and look at any adverse credit, and it’s important that you…

Obviously this is a question that lots of people ask as we all want to know the best time to buy a house. Sometimes the…

Most first home buyers in New Zealand will access their KiwiSaver to help fund your house deposit. But is saving in your KiwiSaver the best…

When you are applying for a home loan you need to ensure that the application is presented to answer all a lenders questions so they…

It may seem easy to work out how much you earn, but when you are trying to get a mortgage to buy your first home…

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…

If you’re a first-time home buyer, or a previous home owner and you’ve been making regular KiwiSaver contributions for 3 – 5 years, you may…

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…

First home buyers have always struggled to get onto the property ladder, but now with co-ownership there is another way. For many years in New…

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…

When you apply for any loan the lender will look at your credit score to determine if you have good or bad credit, but when…

My name is Stuart Wills and I have been a mortgage broker in Auckland since 1997, Over that time I have spoken to a lot…

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…

When most Kiwis get a mortgage the mortgage broker and often the bank staff will ask them about mortgage protection insurance. They should explain that…

While most banks apply a low equity margin to home loans where the deposits are less than 20%, ANZ has charged low equity premiums which…