They say life begins at 40 and the best is yet to come. But what they really mean is that life is full of surprises, and starting over might be one of them. Many of us have faced tough times recently, and it's perfectly normal to feel like you're starting anew. Remember, you're not alone!
Read MoreImagine going house hunting, finding the house you love – only to miss out on purchasing it – cos someone else gets their finance approved faster.
A pre-approval can fix that.
Read MoreWhat is the biggest risk of loss to your KiwiSaver, that does not get talked about?
Read MoreEveryone seems to be obsessed with Mortgage rates, they are the main topic I see around. My social media ads are bombarded with Mortgage advisers telling me now is a good time to refinance for better rates or free money and I’ve been hearing about the “trend down”, or the “expectations” of rate drops etc.
Read MoreWhat is the standard mortgage term?
Read MoreDon’t panic sell your investments, if you think you have to cash out soon, get advice. This shall pass, you need to Hold Fast.
Read MoreDon’t worry about your KiwiSaver or investment dropping due to Coronavirus fears, it’s cyclical and will go back up eventually. If you have time – read the following for more info on markets.
Read MoreIn short yes. But here’s the thing, where or how to invest is less important than why to invest.
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ost people (and its January so Christmas will have made this work) are living barely within their means, are trying to keep up with what they think everyone has
Read MoreThe Christmas holidays are a crazy time of year, where for two weeks or so all the normal rules go out the window and we eat too much, spends too much, and lose all our renovations.
Read MoreI often get asked by first home buyers if building is a better option for them than trying to buy an existing house, based on a belief they will save some money, or that it’s easier. There can be advantages, but it’s not always easier or better.
Read MoreIt’s the Kiwi Obsession, what rate are you getting, is someone else cheaper, etc ad nauseam. And because rates have trended down till now (which will end at some point) people are more and more obsessed with how low they can go.
Read MoreAs you are getting closer to retirement, you need to make good decisions on your money, as the impact will hit you faster than if you are in your 20s. here are 3 mistakes that people nearing rearing retirement make.
Read MoreMost mortgages in NZ are done with Mainstream banks, they have the capacity, and the structures to make it easy to sort. But there are also non bank mortgage lenders, who fit into 3 categories, prime, 2nd tier and specialist.
Read MoreBuying your first home is exciting but there is a lot of information to take in, and it’s easy to get overwhelmed. Here are 3 common mistakes we see first home buyers making, and how to avoid them.
Read MoreMaybe…
There are a few options out there if you have bad credit, ie you have a number of defaults or judgements on your personal credit file. We have certainly gotten people mortgages they never though they could get.
Read MoreFundamentally there is no difference between buying in summer and winter. Often there are less people out looking to buy when its colder, but conversely there are often less sellers as well.
Read MoreFor many people the mortgage is someone something they set and forget and the only time they really focus to it is when the refix is coming around and they're looking at the new rates.
Read MoreThere is a lot of talk that having lower interest rates means that people should look to buy houses now because the payments will be lower, and while it's true the rates are the lowest they've ever been the lower interest rates do not mean that you will be able to get a bigger mortgage.
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