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  • Account Conduct
May 15, 2024

Why Do Lenders Care About Your Account Conduct?

Comments Off Account Conduct Credit Scores

When you apply for any loan the lender will look at your credit score and review your account conduct to determine if you are a good risk. With short-term or smaller loans the lenders might charge higher interest rates and therefore be prepared to accept a higher risk, but when

Stuart Wills Read more
November 7, 2022

Mortgage Advisers Don’t Try To Put Everyone In The Same Box

Comments Off Account Conduct Mortgage Advisers Your First Home

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

Stuart Wills Read more
August 31, 2022

People Are Choosing To Use Mortgage Advisers Before Banks

Comments Off Account Conduct Mortgage Advisers

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

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August 20, 2022

What Lenders Look For In Your Bank Statements

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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

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April 7, 2022

Mortgage Advisers Are Helping New Buyers Jump Through The Hoops

Comments Off Account Conduct Assessing Income Credit Scores Home Loan Deposits Your First Home

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 jump through, cut off credit to borrowers who would have qualified only months ago, and generally shrunk the size of loans being approved. The

Stuart Wills Read more
June 17, 2020

It Can Be Easier For The Lender To Say “NO”

Comments Off Account Conduct Credit Scores

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 really have no option other than to approve it for you. That’s what experienced mortgage brokers are good at. Identify Any Problems First It’s important

Stuart Wills Read more
April 6, 2020

How Important Is Your Bank Account Conduct?

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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 you are looking at getting a home loan the lenders will also look at your bank account conduct to see how good you are at

Stuart Wills Read more

Recent Posts

  • The Less Known Rules For The First Home Loan Scheme
  • Why Do Lenders Care About Your Account Conduct?
  • What Is The Shared Equity Tick?
  • Open Your Eyes When Buying Your Home
  • Getting Approved Is One Thing

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