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Income protection: a cautionary tale

I bet no one has asked you that random question already today. I’ll tell you what else is random: getting hit by a bus. Or clipped by an electric scooter and turned upside down. Literally. But these sorts of things do happen all the time and they’re scary and life changing. What helps when the unexpected happens is having a soft place to land financially. Consider this – and here’s where that figure above comes into it: A 30 year old earning a $65,000 salary could stand to lose $3,7...

May 1, 2019

How an insurance review can save you money

We know, we know, we said the “I” word. Insurance is not a word that many people want to talk about. It is seen as a necessity. Something you have to pay just in case. But what if you are paying more than you need to? Or if you are paying for the wrong things? If you don’t have the right kind of cover in place then you could find yourself out of pocket if something unexpected does happen. That is one of the reasons for regularly reviewing your insurance. But you could also be saving money ...

April 1, 2019

It’s a great time to buy your first home in Auckland

No, this title is not the first half of a Tui billboard campaign!  While it may seem unbelievable, the housing market in Auckland is showing more promise for first home buyers. It isn’t the impossible doom and gloom situation that the media are painting it as. Times are changing and buying your first home could be more in reach than you initially thought. Intrigued now? Then read on to find out more about why we believe now is a great time to purchase your first home in Auckland......

March 1, 2019

Wanting To Buy Your First Home? Take Control Of Your Finances!

Buying your first home is an exciting and rewarding experience, but getting there can be hard. First home deposits are nearing or exceeding $100k in main centres. That is making it a considerable challenge for people to get onto the property ladder.  So, what can you do about it? Should you give up and resign yourself to the thought of renting forevermore? Put simply... no! You shouldn't give up. Just because it is harder to get onto that first rung of the property ladder does not mean that...

February 1, 2019

Start the year right! Essential financial health checks you can do right now

There is something about the beginning of the year. It arrives full of promise and opportunities. It’s a brand new start. A chance to do things better, faster, cheaper, or more efficiently than the year before. We are willing to bet that you have set some big juicy goals that you want to achieve this year. After all, the world is your oyster! But, those goals are not going to become a reality unless you are prepared. Your finances need to align with your goals for them to have any chance at su...

January 4, 2019

6 reasons why Auckland is the best place to call home

The fact is this: Auckland is one of the most unaffordable cities in the world to buy a house. Sometimes you just have to rip the bandaid off and say it. More often than not financial sacrifices are made along the way such as delaying that trip of a lifetime to Europe to pay down the mortgage instead! Sometimes it’s nice to remind ourselves why we choose to live where we do. Here are 6 reasons why owning that Auckland house is so worth it (we’re only a little smug about it...!)...

December 4, 2018

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

Methamphetamine – Do You Need to Test?

In New Zealand methamphetamine is commonly known as ‘P’, ‘meth’, and ‘ice’. It is a strong and highly addictive class A drug.  Methamphetamine is either brought into New Zealand illegally or manufactured locally in makeshift clandestine laboratories or meth labs. Often meth labs can be found in residential homes, commercial properties and have even been found within vehicles and holiday accommodation.   A dwelling can become contaminated with methamphetamine residue if the ...

October 31, 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...

August 4, 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....

April 3, 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 Posts 1-25 of 86 | Page next

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