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 …
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 unpaid …
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 …