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    Life insurance: when should you review it?

    Life insurance: when should you review it?

    Life insurance is a necessity for anyone who is buying a home, welcoming a child or has dependents, whether that’s children, a partner or a business. As your life changes, your insurance needs to as well. Here’s what you need to think about to make sure you, your...

    Mortgagee sales: the good, the bad and the ugly

    Mortgagee sales: the good, the bad and the ugly

    Today’s property market is a rat race – competitive, stressful and getting more expensive by the minute. If you’re desperate to get on the property ladder, it’s understandable that a mortgagee sale – which likely comes with a lower price tag – may sound appealing....

    How CCCFA changes affect the lending process

    How CCCFA changes affect the lending process

    There has been much in the media recently around changes to the Credit Contracts and Consumer Finance Act 2003 (CCCFA). Much has been said on how the changes due to come into play will make it increasingly difficult for first home buyers and borrowers aged over 50, in...

    Using KiwiSaver to buy your first house

    Using KiwiSaver to buy your first house

    Buying a home isn’t as easy as it once was. Now, you need a lot of patience, a lot of perseverance and a big deposit. If you’ve been saving for a deposit for years, it’s disheartening to see house prices go up by the day. But it’s not all bad news – we have great...

    Review insurances as your life changes

    Review insurances as your life changes

    Insurance isn’t set-and-forget. As your life changes, the type of cover you need is going to change too. For example, your needs as a young family are going to be very different from when you’re retired. So it’s important to check regularly to make sure you’re getting...

    Renovation loan or pay down your mortgage?

    Renovation loan or pay down your mortgage?

    The idea of a fresh home renovation is dreamy. So is the thought of paying a chunk off your mortgage and getting a little closer to debt freedom. If you’ve found yourself with a bit of extra cash, these scenarios could be on your mind. Both are great options, and both...

    Buying insurance online vs through an insurance adviser

    Buying insurance online vs through an insurance adviser

    What is buying insurance online and how does that compare to through an adviser? Simply put this is when you take up your new insurance policy online, but it carries a lot of drawbacks. Buying insurance online looks attractive on the surface in terms of premium...

    Rising mortgage interest rates and how to cope

    Rising mortgage interest rates and how to cope

    Economists and financial analysts are predicting at least an extra 1.5 per cent increase to many New Zealand mortgage interest rates, and that greater rises will soon follow. 1.5 per cent? That’s not much at all. Not an issue. It’s doubling your money Well, actually...

    Revolving credit vs floating mortgage

    Revolving credit vs floating mortgage

    Home loans can be confusing. Between mortgage rates, loan terms and repayment plans, there’s a lot to get your head around. If you own your home, you’re probably familiar with a fixed mortgage – over 80% of mortgages in New Zealand are fixed. But what’s the deal with...

    The benefits of mortgage protection insurance

    The benefits of mortgage protection insurance

    Buying a home means taking on big debt and for most people, that’s not an issue. Before you bought your house, you’ll have made sure you can afford your mortgage repayments over the next few decades. But you can’t predict the future. If you’re suddenly unable to work,...

    Business finance: everything you need to know

    Business finance: everything you need to know

    Borrowing money to buy a business Sometimes, you need to take a step back to get ahead. Taking out a loan to buy a new business is a big financial commitment, but the long-term reward could be far-reaching. And unless you’ve won the lottery or have strong financial...

    A better look into house and Land Packages in Tauranga

    A better look into house and Land Packages in Tauranga

    Here’s what you need to know With the current housing market changes taking shape as of 27th March 2021 it might pay for buyers to start looking at new builds particularly in our regional spaces. New builds you might ask. Well there are some key advantages to...

    Apartment Mortgage – The new changes A better look

    Apartment Mortgage – The new changes A better look

    Here’s what you need to know It’s all in the details – What is changing? With the current housing market changes having taken shape as of 27th March 2021, the ripple effect has continued with some lenders shaking up the way they assess apartments now as well. With a...

    Safeguard your wealth, lifestyle and family

    Safeguard your wealth, lifestyle and family

    We often avoid talking about illness. It’s a scary thought – being diagnosed with an illness, unable to work and the effect on our wealth, lifestyle and family. But it’s important to think about and if you do, you’ll be better prepared if illness does strike. If...

    Mortgage options for buying another property

    Mortgage options for buying another property

    Whether it’s a family home or an investment, there’s a lot to consider when committing to a new property. With interest rates plummeting and the property market booming, you may be tempted to invest or upgrade. Whatever your intention, there’s a lot to think about...

    Time for a mortgage check-up?

    Time for a mortgage check-up?

    There’s no one-size-fits-all when it comes to a mortgage. Different mortgage options suit people at different stages of their lives – what makes sense when you’re a young family on a single income will be different from when you’re 65. As your life changes, it’s a...

    Thinking of refinancing your home loan?

    Thinking of refinancing your home loan?

    Alongside the emotional impact of COVID-19, we’re likely to see far-reaching financial fallout. A turbulent economy and uncertain financial forecast have left many Kiwis unsure of what to do about their mortgages. But with interest loans at an astonishingly low rate,...