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Low deposit? You could still get a home loan

Low deposit? You could still get a home loan

Why things are looking up for first home buyers First home buyers in New Zealand have had it tough for a while. Prices have been on the rise for years, and since 2013, LVR rules have meant that most buyers need a deposit of at least 10%. When the average house price...

House & land package loan – Is it right for you?

House & land package loan – Is it right for you?

Whether you are looking to get on the property ladder or purchase an additional investment property, a house and land package may be the way to go. Whether you are looking to purchase in Auckland, Hamilton, Tauranga, Wellington, or further down the line financing in...

Need a boost? A small business loan could help

Need a boost? A small business loan could help

What you need to know about post-COVID cashflow loans COVID-19 has hit business hard. During the lockdown, many businesses made little or no income, and even under the looser rules of level two, business owners are dealing with restrictions on customer numbers, the...

Post COVID-19 property investment

Post COVID-19 property investment

Will property investment pay off during a downturn? For years, investing in property has been a nearly fool-proof way to make money in New Zealand, thanks to rising prices, high rents, and high demand for property. As the country begins its COVID-19 recovery, that...

A good time to upgrade or fix investment properties

A good time to upgrade or fix investment properties

With interest rates at record lows, a lot of property investors are waking to find that their investment properties are now becoming positively geared i.e. the rental income now outweighs the home loan interest repayments on the property, rates, home insurance and...

The best loan to build your dream home

The best loan to build your dream home

How a construction loan makes building easier Can’t find your dream home anywhere? Why not build it? With a construction loan, buying a section and building a brand-new home could be simpler than you think. Building a home can be complicated – you have to deal with...

Is Health Insurance Worth The Cost?

Is Health Insurance Worth The Cost?

Protecting your future self In New Zealand, if you break your leg, have a baby or need life-saving surgery, you get the care you need without a huge bill at the end. We’re lucky – our healthcare system offers high-quality care and treatment to residents for free, or...

How low can mortgage interest rates go?

How low can mortgage interest rates go?

How COVID-19 could impact on home loan rates Will the interest rate on your home loan be affected by COVID-19? As lockdown restrictions loosen and the initial shock of living through a pandemic recedes, people are starting to look at the ongoing economic effects of...

How COVID-19 will affect the housing market

How COVID-19 will affect the housing market

Prices, demand, and lending restrictions For the last few weeks, coronavirus has kept us stuck in our homes. For many people, this forced stay-cation will lead to a re-evaluation of their living situation. If you live with family or flatmates, you might be freshly...

Home Loans For The Self-Employed

Home Loans For The Self-Employed

How to get a mortgage when you can’t prove your income For most people, getting a home loan means doing a budget, filling in forms, and printing out some payslips. The only hard part is finding a home that you like – and can actually afford. But if you’re running a...

When and why to review your life insurance

When and why to review your life insurance

Life changes, insurance should too When and why to review your life insurance Because life insurance is a safety net for your family and finances, it needs to match your family and financial circumstances to be effective. The amount of cover you need changes over...

Build New or Buy Old Home – The Pros and Cons

Build New or Buy Old Home – The Pros and Cons

New build or existing home? Practicality, personality, price, and other considerations Some people love the idea of a brand-new home – shiny new fixtures that you choose yourself, the layout and space you’ve always wanted, no worries about leaks or ancient pipes...

Dealing with financial difficulty during COVID-19

Dealing with financial difficulty during COVID-19

Fighting the financial virus Over the last four months, we’ve all learned far more than we wanted to know about coronavirus. We know now that it impacts on people in very different ways, depending on their age, health, and underlying conditions. Some get the virus...

Is a Second Mortgage Right For You?

Is a Second Mortgage Right For You?

Solving problems with a second mortgage Need short-term finance? A second mortgage could help. Life is full of ups and downs – and your finances are no different. When your circumstances change and you need access to cash, a second mortgage could be the best option...

Using home equity to invest in property

Using home equity to invest in property

Turning theoretical value into real profit If you own your home, you’re building equity whether you know it or not. If you’re smart, you could use that equity to buy an investment property. Equity is the difference between the current value of your home and the amount...

House and land packages – The Pros and Cons

House and land packages – The Pros and Cons

House and land, sorted The ins and outs of package deals Building your own, customised, perfectly designed home sounds appealing until you think about the work involved – finding a section, choosing an architect or designer and drawing up plans, picking a builder,...

Ready to Sell Your Home? Take a Look at Your Options

Ready to Sell Your Home? Take a Look at Your Options

What to consider when you’re thinking of selling One home, many options There are a few reasons to consider selling your property. Maybe you bought a modest first home because that’s what you could afford, and now you’re ready to upgrade. Maybe you’ve had a kid or two...