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5 Reasons You Should Talk to a Mortgage Broker First

As a motivated mortgage advisor I always have their finger on the pulse for the best offers for your unique personal circumstances. There are so many different banks and lenders all offering different options and the research can be exhausting and overwhelming it it's unfamiliar territory for you. More so if you are on a tight timeframe or have special circumstances (like you are self employed). Want to to properly assess the ever changing variety of home loan deals available to you? I'll s...

November 2, 2018

4 Tips for Effectively Managing Money in a Relationship

Managing money is not exactly the most exciting part of a relationship, but it is very important nonetheless. Budgets, bills, expenses… it is easy for these things to become burdensome and awkward in a relationship if you aren’t both on the same page. This is especially the case if you are making a big financial commitment like purchasing your first home or extending your mortgage for a renovation. Financial problems have long been one of the most common causes of failed relationships, ...

October 2, 2018

Hot Tips for First Home Buyers (How Minimalism May Help You)

With banks looking even more closely at your personal spending before they approve your mortgage, my HOT TIP this month is to find ways to reduce your spending....

September 3, 2018

How to buy a house in New Zealand

It’s the kiwi dream - to own your slice of paradise - your home or castle. Whether you are born and bred here or new to this magnificent country*, we’ve compiled a sweet little overview to make it easy for you to get your head around how buying a home in New Zealand works. Buying in New Zealand can be a quick process, taking as little as three or four weeks to go from finding a house you want to owning it. Once your offer has been accepted and the contract is signed, any other offers th...

July 26, 2018

Is More Money the Ultimate Key to Happiness?

I’m a money man. I like to earn it, I like to help you save it and reach your financial goals. I see first hand the way money is the tool that allows dreams to come true and “make people happy”. But is more money what you need? Or is there more to the story… Here are 4 keys to happiness that don’t break the bank - and may in fact reduce stress and anxiety in your life!...

July 3, 2018

Case Study: First Home Buyer Rescue

Recently I had a first home buyer referred to me who had been promised the world by a ‘broker’. They had a contract on their first home with a 10% deposit, and the broker promised them a great deal with interest rates in the 4%’s. Turns out, and with limited time to go in the finance condition, that the rates from the single lender that the ‘broker’ dealt with were going to be in the 7%’s because of the 90% LVR....

June 6, 2018

Does debt make you sweat? Or is it smart to not pay it yet?

It is possible to live completely debt-free - we’ve all heard of people who sell everything they have and trade it in for a camper van or make the choice to rent and save for retirement rather than tie themselves to a 30 year home-loan. Perhaps it’s fear that compels them to avoid debt or over-extend themselves financially. And in some cases it can seem like the prudent thing to do.  But is it smart?...

May 1, 2018

The Auckland Home Buyer’s Secret Weapon… want to know what it is…?

The Auckland market is BUSY right now. There is a lot on the market and real estate agents are being kept on their toes. A friend of mine recently found a brilliant new listing and after a couple of days deliberating on the home called the agent only to find it had already gone 99% unconditional. Gone in days! The price was right but also, the lucky buyer was obviously in a position where they were able to ACT....

March 23, 2018

Interest Rate Outlook - March

Property investors and first home buyers who are fearing or hoping a surge of new housing supply should know it will be very hard for the Government to engineer.  In this month,s Interest Rate outlook we chart heavy headwinds buffeting Kiwibuild.   Housing and Transport Minister Phil Twyford is arguably the most important and pressured man in the new Government. He is responsible not just for creating the Kiwibuild programme to build 100,000 affordable houses in 10 years. He will...

March 15, 2018

Have you considered Airbnb - ing your place to pay off your mortgage faster?

Hotel prices are skyrocketing in New Zealand at the moment - up to twice their usual rate in many Auckland venues, as visitors pour into the city.  Even in 2016 the Herald reported that the number of tourists visiting New Zealand has increased by 700,000, or 26%, over the past three years. And the trend is only continuing. Forecasted tourism numbers are to tipped to rise by 1 MILLION between 2016 and 2022....

March 1, 2018

Interest Rate Outlook - December

The Reserve Bank has slightly eased its restrictions on Loan to Value Ratios (LVRs), but does not expect this to fire up a housing market that is flattening out in the wake of Auckland’s slump in volumes over the last year.The bank announced this week that it would lift its ‘speed limit’ on high LVR lending (over 80%) for owner occupiers from 10% of new lending to 15% of new lending. It also eased the deposit requirement for high LVR lending for rental property investors to 35% from 40%. I...

December 16, 2017

Interest Rate Outlook for September

Quiet housing market focuses on election.Suddenly, everyone is talking about politics and what a potential change of government might mean for the housing market. Sales activity continued to cool through July and August and prices are flat to slightly down in Auckland and its surrounds. Many are now waiting for the September 23 election result for certainty on housing policy, which is similar to what was seen in the market before the September 20, 2014 election result. A John-Key-led Nation...

September 2, 2017

How well do you know Kiwisaver?

KiwiSaver is only going to become more and more important as time marches on. For many of you it will soon become the second largest asset after your home.However, research tells us that many of us don’t fully understand KiwiSaver and that just under half of all KiwiSaver members are still invested in cash, default and conservative assets which may not be suitable for long term retirement savings.We've partnered with Generate KiwiSaver, a NZ owned and operated specialist. Generate have provide...

August 21, 2017

How good is your health cover?

Did you know that one in six New Zealand adults were diagnosed with a common mental disorder at some time in their lives? This is according to the 2012/13 New Zealand Health Survey and that women were around 1.6 times likely to have been diagnosed with a common mental disorder than men? Mental illness is real and we’re pleased to advise that one of our insurers is leading the way by including a new mental health benefit across their products. Insurance policies will now include psyc...

August 16, 2017

Pocket money for kids - yes or no?

One of the most important things we can do as parents is to teach our children the value of money and how to manage it wisely.  An easy way to do this is to introduce a Pocket Money reward system for kids that instills good habits, a work ethic, and personal responsibility. We get that there's no single, best way to approach pocket money and it's more about what suits your family and values. However if you are considering the option to start paying pocket money, here's a few tips ...

August 6, 2017

Get the best medical advice from specialists worldwide

One of the most important things when falling ill is to feel confident about a diagnosis, and to get definitive advice about the treatment that's best. Best Doctors' offers you and your family remote access to over 53,000 leading medical specialists worldwide. They have all been nominated by their peers as top experts in their field, and are there to help you. Best Doctors is designed to answer your clients' questions about a current health concern, or help them get a second opinion on a diagnos...

August 6, 2017

Don't let this sunny weather lead you into a false sense of security

The changing weather is a timely reminder to make sure your future home has good heating and insulation. Our handy Home Buyers Checklist has everything you need to consider - click here to visit our website and download your free copy today

August 5, 2017

Sick of hearing about housing prices in Auckland?

Still want to buy a home but one you can afford? We like this article we found on Stuff this week. It sheds some light and optimism around other regions in little old NZ where housing is still affordable and increasing in value.

August 2, 2017

Changing borrowing patterns for investors

New Reserve Bank figures show the amount borrowed by investors for house purchases in May dropped by $1 billion compared with the same month a year ago. Housing investors borrowed $1 billion less in May than they did in the same month a year ago, according to latest Reserve Bank figures. During May, investors borrowed $1.49 billion, compared with just under $2.49 billion in May 2016, which is a whopping 40% drop. Perhaps the 40% fall is somewhat symbolic, since 40% is the figure the Reserve Bank...

July 21, 2017

Sorry it's not that traumatic enough

New Zealanders are discovering the hard way that just because something is traumatic, it does not mean their trauma insurance policies will pay out. Trauma insurance is a type of cover that pays a lump sum when someone is diagnosed with a severe illness or suffers a serious accident. Each policy will have a different range of conditions it covers but it is usual for things such as heart attacks, serious cancer, stroke, injuries resulting in paralysis or blindness and burns to be included. It is ...

July 21, 2017

Interest Rate Outlook for June

Housing market cooling through winter House prices in Auckland have continued to edge lower as a winter chill has set in, and the cooling is spreading to surrounding larger cities. The effects of the Reserve Bank's 40 percent deposit rule for rental property investors is still rippling through the market after its introduction in the second half of last year. A slight rise in interest rates in late 2016 and a toughening of lending criteria by the big four banks has also dampened activity. ...

June 24, 2017

Interest Rate Outlook for May

Market Cools in Auckland as Winter Nears The Auckland housing market continued to cool slightly through March and April as the effects of tougher lending rules and higher fixed mortgage rates continued to affect sales volumes. Values in Auckland fell 0.4 percent in the three months to the end of April, QV reported, while Barfoot and Thompson reported volumes in Auckland fell to their lowest level for an April since 2008. But volumes and prices were healthier elsewhere as Auckland's halo ef...

May 18, 2017

Health cover for your little ones

We're excited to talk about a new health insurance policy designed for children in mind. This month Accuro (one of our panel of insurers), launched their new health insurance product Kidsmart. Their policy caters specifically for young people and their needs. Unlike most health insurance, cover can be set up without being attached to an adults policy. This means that parents, grandparents or guardians can gift their children, grandchildren or dependents without taking out cover for themselv...

April 7, 2017

How much insurance cover do you need?

Life insurance is about looking after what's important to you: your family, your health, your lifestyle and your future. Moving out of your home, buying a house or having children are significant moments in your life and your income helps make them happen. But what if you couldn't work? What if your family couldn't pay the mortgage without you? Insurance can take care of the 'what if's'. If helps to protect you and what you've worked hard for, as well as your future. So much cov...

March 2, 2017

Interest Outlook for March

The summer was cooler than usual in many parts of the country and that was the case in parts of the housing market too as last year's tougher LVR rules for landlords helped change the usual real estate weather patterns. The stratified median house price in Auckland fell 6% to 9% in seasonally adjusted terms in January from December and sales volumes were significantly down from a year ago. Just as the heat radiated from Auckland last year, that cooling is spreading out to the closest cities...

March 2, 2017 Posts 1-25 of 79 | Page next

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