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 …
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 …
When you look at the Kāinga Ora website you will find the basic rules for the First Home Loan Scheme, but there are some less …
If you are a first home buyer you may have heard people mention the LMI fee and wonder what is lenders mortgage insurance, and ask …
In response to feedback received on its proposed policy for debt serviceability restrictions (DSRs) on residential mortgage lending, the Reserve Bank of New Zealand said it will …
As kids we loved to jump through hoops, but as new buyers it’s not much fun at all.
New lending rules have created more hoops to …
It’s been a long time since we’ve had to be concerns about inflation.
In the past it’s been caused by people spending too much, which …
Buy now pay later providers offer the ability to buy products or services now while paying for it with intertest free instalments over a period of …
As mortgage advisers we talk to first home buyers all the time about making a smarter start and with this we see the struggles that …
It’s sometimes funny why people say use a mortgage adviser!
So often in New Zealand people say “just go and see your own bank” and that …
Anyone In New Zealand that is looking at buying your first home will have noticed that it’s become a lot harder.
It’s always been …
Buying your first home is not always that easy, so as a mortgage adviser I am sharing five tips to improve chances for first home …
We often look at the prices that houses are selling for and question if New Zealand houses too expensive.
Most of us probably think they …
This is bad news for first home buyers!
In a time when it is hard enough to save a deposit to buy your first home, the …
It’s not easy buying your first home with a small deposit and in many cases it can seem that home ownership is an impossible dream.
You …
Changes to the First Home Products come into effect on 1 April 2021.
This includes the First Home Grants and First Home Loans.
What Are The Changes?
The …
This Government had us waiting since the end of last year for the changes for first home buyers, and today they were finally announced
It’s intended …
As mortgage advisers we often see people on social media either praising a mortgage adviser for getting them a home loan after getting frustrated with …
Many people will ask family and advisers if they should buy a house now or save a bigger deposit.
This is a question that all first …
While many Kiwi’s still think it’s out of reach to buy your own home, it is often cheaper than renting.
Banks have tightened credit criteria significantly …
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 one …
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 Governments …
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 may …
Let’s accept that buying your own home isn’t going to necessarily be easy, but it’s something that most Kiwi’s aspire to.
There are a lot of …
If you are a first home buyer or even thinking about buying a home in the future then you will want to know what 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 …