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    How to avoid the cost of rising interest rates

    How to avoid the cost of rising interest rates

    Interest rates are famously hard to predict, but this recent jump seems to have caught economists off-guard. The Reserve Bank of New Zealand has increased the official cash rate (OCR) twice in the past two months to 0.75% in a bid to cool inflation and help stabilise...

    Renovating your house – is there a right time?

    Renovating your house – is there a right time?

    Let’s look at the pros and cons of each option To renovate now or later – that is the question. Have you recently bought or are looking to buy a run-down property that needs a lot of work? Maybe you’re wondering when would be the best time to renovate to get the most...

    Post-pandemic opportunities in property investment

    Post-pandemic opportunities in property investment

    Post-lockdown 2020, New Zealand’s housing market took an unexpected turn. Price falls of 15% were predicted nationwide but instead, houses saw a 25% price increase, with the median price rising more than $200,000 in one year. So, what’s the forecast for post-pandemic...

    Is it cheaper to build or buy a house?

    Is it cheaper to build or buy a house?

    Historically low interest rates lured first home buyers in, but as house prices escalated daily, homeownership went out of reach for many. It’s made a lot of Kiwis turn to an alternative: building. But with the current materials shortage and land prices steadily...

    Group Health Insurance VS Individual Insurance

    Group Health Insurance VS Individual Insurance

    Why group health Insurance policies are more beneficial than individual policies Group Insurance is essentially a package bought by a business or organisation for the benefit of its employees: a health insurance policy fully tailored to suit. Why you would consider...

    The Shock of rising home loan rates

    The Shock of rising home loan rates

    Interest rates are rising and that’s not good news for mortgage holders and first home buyers. The biggest shock will be to the homeowners who first bought between 2014 and mid-2021. They’ve been paying historically low interest rates and never experienced a rate...

    Buying your first home with rising interest rates

    Buying your first home with rising interest rates

    How to make the most of current circumstances Pre-pandemic, buying your first home was a tough gig – but it was doable. When the pandemic hit, house prices skyrocketed. Every property sold put homeownership slightly further out of reach for first-timers. At the same...

    House and land packages: Thinking outside the square

    House and land packages: Thinking outside the square

    Building a new home sounds great, but it can be complicated. There are finances to shuffle, builders to manage and inevitable disappointments to navigate. Buying an existing home has its flaws too – they can often be old with maintenance and repair costs. A house and...

    The pros and cons of a guarantor home loan

    The pros and cons of a guarantor home loan

    How they can help, and what you need to be aware of: Getting your foot onto the property ladder has never been easy. Now, it’s verging on impossible. In today’s property climate, it could take up to nine years to scrape a deposit together. House prices are higher than...

    Why Trauma insurance is beneficial to you and your family

    Why Trauma insurance is beneficial to you and your family

    Trauma insurance could help support you and your family by alleviating some financial pressure during the worst of times. Trauma or critical illness insurance is a one-off lump sum if you are diagnosed with one of over 50 specified illnesses depending on insurance...

    Get the most out of your revolving credit

    Get the most out of your revolving credit

    Here’s how to make the most of revolving credit No one takes out a mortgage to have it for the rest of their life. The goal is to pay it back as soon as possible. So how do you do that? Fixed rate, floating rate, offset mortgage, revolving credit – it’s enough to give...

    Comparing income protection vs Mortgage protection

    Comparing income protection vs Mortgage protection

    Knowing the ins and outs Put your mind at ease knowing that you have the right cover for your financial needs. It’s a question that doesn’t often get asked enough. Do I need this insurance policy or is there something better on offer? For us to be able to assess what...

    Bridging finance – how does it work?

    Bridging finance – how does it work?

    Moving house isn’t all sunshine and rainbows. On top of selling your current house, you need to find the perfect new home. And with the added pressure of trying to match settlement dates, it can be exhausting. Sometimes that doesn’t happen – and there’s a window where...

    Home and Land Packages VS Turnkey

    Home and Land Packages VS Turnkey

    If you are on the path to buying your own place, or thinking about an investment property, you may be considering building rather than buying an existing home. When looking at building a home, you ’ll have come across ‘turnkey’, and ‘fixed price house and land...

    The ‘buy now pay later mortgage’ effect

    The ‘buy now pay later mortgage’ effect

    Turn on the news, flick on the radio, do a quick Google search on first home buyers and you’re bound to come across the term FOMO or the “fear of missing out”. This fear of not finding a home to buy is leading to some people to rush into mortgages they often can’t...

    Owner occupied property VS investment property

    Owner occupied property VS investment property

    How the new rules could affect your decision At the tail-end of COVID-19, home loan interest rates are historically low. Kiwis are desperate to get their foot on the property ladder – and the housing market has gone crazy. In that house-hunting hustle, thousands...