Tag: NZ Mortgage Adviser

What is the home loan pre-approval process?

A home loan pre-approval gives you peace of mind when you first start house-hunting, by letting you know exactly how much money the bank is prepared to lend you. Although your pre-approval is conditional, it puts you in a position to move quickly when you find your ideal home, and it’s also an essential step…
Read more

First Home Buyer Tips

No doubt about it: buying your first home is exciting. But it can also be incredibly stressful, which is why it’s so important to prepare yourself for the journey ahead, by doing your homework and getting advice from the right people. So that you understand all you need to know about buying your first home,…
Read more

A Practical Guide to Borrowing

When it comes to buying property, money is the number one thing on most people’s minds! And understandably so, as it’s likely the biggest purchase you’ll ever make. While a lot of the information you can find online is about preparing a mortgage application, it’s just as important you feel confident about what you’re signing…
Read more

Home Buyer Traps to Avoid

Buying a home is one of the largest and most complex purchases you’re ever likely to make. And getting it wrong can have a significant impact on both your financial and emotional health. That’s why it’s important to take time to fully research and understand the process and the complexities that go along with home…
Read more

Marketing Tips to Fast-track Your Sale

When selling a property, one of the most important steps is generating interest, and the best way to do this is through a focused marketing campaign. A strong marketing campaign will help you sell your property in the shortest amount of time, for the best price, with the least amount of aggravation. Here are our…
Read more

Mortgage Broker vs. Bank Direct

If you haven’t already worked with a mortgage broker (mortgage adviser), you may be wondering why you should consider doing so. Why not go directly to the lender instead? Aside from the obvious – having someone else do the legwork for you – there are several other benefits to working with a mortgage adviser. Take…
Read more

Buying a home with family

A combination of rising property prices and stricter lending criteria has made it harder than ever to buy a home or an investment property. As a result, many buyers are pooling their resources and buying property with family. As with any contract however, it’s important you go in with your eyes wide open. Here’s what…
Read more

Improve your chances of a low deposit home loan

Earlier this year (2018), the Reserve Bank of New Zealand increased the cap from 10 to 15 per cent for banks’ lending to home buyers with a deposit of less than 20 per cent. How has this change impacted first home buyers? And what should you be doing to improve your chances of a low…
Read more

Rateable Value Versus Market Value

In the search for your dream home, you may have noticed the various ways property values are advertised. Two of the most common values advertised are the rateable value and the market value. It’s often assumed that these two values are equivalent, but that’s not always the case. Take a look at how they differ.…
Read more