Blog

Buyers Market

Are We Entering a Buyers Market?

This month, the news from the housing market is actually quite cheerful – at least if you are a buyer. Mortgage rates have dropped again, prices are lower, and there are plenty of properties to choose from.
Don’t panic if you are considering selling though, it’s not all bad news.
Let’s look at the latest news and see what bright spots there are for buyers this month.

Read More »

Wait… What? Mortgage Rates Are Dropping Again?

It might feel like all you hear is bad news when it comes to property and finances lately.
It’s still not a pretty picture in the housing market, but it’s not all doom and gloom either.
This month we are bringing you some bright spots.
Mortgage rates have dropped slightly, yes, you did hear that right!

Read More »

Mortgage Lenders: Get Free Advice from a Mortgage Adviser

Mortgage advisers are unique in that they do an enormous an amount of work upfront prior to being paid for their services. This can be 1-2 months for standard residential purchases or 1-2 years for construction loans.
Any work we do for you will in general not cost you a fee (unless an upfront fee is negotiated for non-bank lenders).

Read More »

How do we find the best new home loan options for you?

Everyone’s situation is unique. We need to get to know you and your requirements prior to making specific recommendations. Each lender markets their suite of home loans differently, so it appears to consumers that there are many types of home loans to choose from. This makes if difficult when selecting the most appropriate home loan for your requirements.

Read More »

CCCFA Changes and the Impact on Borrowers and House Prices

It’s no secret that the Credit Contracts and Consumer Finance Act (CCFA) was not loved by many. It has been widely criticised for bringing in too much paperwork and causing issues for capable borrowers. Less than two months after the rules came in, a review was ordered and after submissions changes have now been announced.

Read More »

Real Estate Agents & Lawyer Referrals

For real estate agents, I can ensure clients are pre-approved or at least qualified for the property they are interested in purchasing. This service does not cost anything and will ensure you are working with clients that can complete.
For Lawyers, you may have clients that are interested in purchasing but have not yet attended to their finances. Talking with a broker is like talking with 20 banks and a vast number of lending products. We can either help your clients now or point them in the right direction so that we can help them in the future.

Read More »
Interest Rates Are Rising, But What Else Is Happening?

Interest Rates Are Rising, But What Else Is Happening?

With the Reserve Bank raising the OCR to 1.5% in April, it is no surprise that interest rates are on the rise again.
Oh, and the eagerly awaited changes to the CCCFA are expected to be announced soon (watch this space).
But, what else has changed since our last update?
What’s happening with property prices, mortgages and the cost of living?

Read More »

Mortgage Review & Refix Service

In a rising interest rate market, refixing your mortgage can be time-sensitive. Banks no longer offer advice when you are refixing with online banking or phone apps. As a mortgage broker, I will continue to offer a mortgage review & refix service. In fact, I am paid to do this – some lenders pay me a small fee (or trail income) to provide this service. I often know your mortgage plans so can help you keep on track.

Read More »

Why Choose a Mortgage Broker?

A Mortgage Broker will help and prepare new & existing homeowners to obtain competitive mortgage solutions for their unique situations.
Detailed advice and coaching on the recommended steps toward homeownership are provided to ensure a full understanding of the process.

Read More »

What Questions Should You Ask a Mortgage Broker?

1. Why do we need a Mortgage Appointment? 2. What is a Home Loan Pre-approval? 3. What is a Conditional Approval? 4. Why do I need a Solicitor? 5. What is an Unconditional Approval? 6. What is a Home Loan Structure Meeting? 7. Why do I Need to Meet with the Bank? 8. What is Document Signing? 9. Why do I need Property Insurance? 10. Why do I need Personal Risk Insurance? 11. When is Settlement Day?

Read More »

Why First Home Buyers Should Use a Mortgage Adviser

First home buyers often ask if it’s worthwhile using a mortgage adviser and whether obtaining pre-approved finance is a good idea.
They want to know the benefits of going through the process.
Here are my top Nine reasons why first home buyers should use a mortgage adviser and obtain pre-approval for a home loan

Read More »

What’s The Difference Between a Mortgage and A Home Loan?

The words ‘Mortgage’ and ‘Home loan’ are often misunderstood, and both are often used to describe money lent to a new homeowner by a bank to purchase a property.
There is confusion regarding the terminology and what the terms mean in theory and in practice. The mortgage & the home loan are separate legal obligations.

Read More »
market volatility

Is Market Volatility Creating A Buyer’s Market?

Autumn brings cooler mornings and evenings, but is it also bringing a cooler property market with it?
We’ve definitely seen a shift in the way the market is behaving.
But, what does that mean for you?
And, what impact has the change in lending regulations had on New Zealanders?
Let’s explore the answers to those questions now.

Read More »

Property Reports and Legal Requirements

A Land Information Memorandum (LIM) is a report that provides a summary of all the information that the local authority has on file.
A Pre-purchase Building Inspection report is a detailed property survey and includes a visual inspection of the components of a building, i.e. the interior, exterior, outdoor, roof and site areas.
A lawyer or conveyancer will protect your interests, in other words, they will act independently as their purpose is to work for you.

Read More »
Know Everything about Mortgages in New Zealand

Is The Property Market Finally Trending Down?

Is The Property Market Finally Trending Down? The property market might finally be starting to climb down from its peak. However, many things are still impacted by Covid and its associated response. And let’s not forget that inflation and lending criteria are all playing a part in the current situation.

Read More »
Can I use Kiwi Saver ?

Can I use Kiwi Saver?

Just about every first home buyer will ask the question ‘can I use kiwi saver’. The following blog will outline important information to answer this question. Eligibility for Kiwi Saver

Read More »
Predictions 2022

Property Market 2022: Our Predictions

Property Market 2022: Our Predictions. The major changes to the Credits Contracts and Consumer Finance Act are heavily impacting the lending scene, so is it harder to get a loan now? And what will 2022 have in store for us when it comes to all things finance?

Finally, could the winds in the property market be changing and shifting to a buyer’s market?

Read More »

Owner Occupier Landlording

A Focus On Property Investment Owner Occupier / Landlording Boarder Income – This is a cost-effective way to start making money from property. It’s often an option for younger homeowners

Read More »

Property Investment

A Focus On Property Investment Property Investment Residential property investment is one of the most popular types of investment in New Zealand. It is accessible to many people in the

Read More »

Owner Occupier / Landlording

A Focus On Property Investment Owner Occupier / Landlording Boarder Income – This is a cost-effective way to start making money from property. It’s often an option for younger homeowners

Read More »

Non-Direct Property Investment

A Focus On Property Investment Non-Direct Property Investment So, you don’t want to be a landlord and have the day-to-day headaches of managing tenants, managing cash flow and property maintenance

Read More »

Direct Property Investment

A Focus On Property Investment Direct Property Investment Residential property investment is one of the most popular types of investment in New Zealand. It is accessible to many people in

Read More »

Mortgage Jargon

Application FeeBanks and lenders all have their own fee structure, as well as the interest rate charge. The Application Fee is a fee that lenders charge borrowers to assess their

Read More »

Reviewing the Mortgage

Reviewing the mortgage It’s a good idea to check things like your level of repayments and interest rate from time to time. It pays to do it every year or two, or

Read More »

Completing your Refinance

Completing your Refinance – Do you have questions? Continue reading below or Book a time that suits you to have a quick chat over the telephone. Click ‘Here’ and I

Read More »

Preparing for a Refinance

Preparing for a Refinance – Do you have questions? Continue reading below or Book a time that suits you to have a quick chat over the telephone. Click ‘Here’ and I will

Read More »

Reasons to Refinance

Reasons to Refinance – Do you have questions? Continue reading below or Book a time that suits you to have a quick chat over the telephone. Click ‘Here’ and I will call

Read More »

KiwiSaver for Previous Homeowner

KiwiSaver for Previous Homeowners If you are applying for a KiwiSaver first-home withdrawal determination as a previous homeowner, do you meet the following: You have not previously withdrawn your KiwiSaver

Read More »

KiwiSaver HomeStart Grant

KiwiSaver HomeStart grant Published Housing NZ: 27 July 2018 How does the HomeStart grant work? After three years of regularly contributing to KiwiSaver (of at least the minimum allowable percentage

Read More »

News Letter September 2018

Tips & Tricks Newsletter & Money Week 2018 Welcome to my Spring newsletter & Money Week 2018 – It’s been a long winter and I’m looking forward to more daylight

Read More »

Newsletter September 2018

The Property Finance Center Tips & Tricks Newsletter (Money Week 2018) Welcome to my Spring newsletter & Money Week 2018 – I’m looking forward to longer and warmer days – they’re

Read More »

House Insurance Premiums In 2018: Up, Up And Away

Quotable Values NZ https://www.qv.co.nz/property-insights-blog/insurance-premiums-in-2018-up-up-and-away Levy Spikes and Market Hardening In 2018 we’ll see a general hardening of the market. Insurers face increased losses against a backdrop of increased global re-insurance

Read More »

Foreign Exchange (XE)

Foreign Exchange (XE) Achieving best practice starts with education and awareness. Often the starting point for your journey is education – providing insight into the range of options available and

Read More »

Comprehensive Construction Checklist

Comprehensive Construction Checklist To help you maintain control over your house construction – and be another set of eyes for mistakes – we’ve put together a comprehensive construction checklist. Some

Read More »

News Letter July 2018

The Property Finance CentreTips & Tricks Newsletter Welcome to my midwinter newsletter – I hope you are keeping warm and dry. A quick market update: As we move through winter,

Read More »

Why Use a Mortgage Adviser?

As a Mortgage Adviser, I help and prepare new & existing homeowners to obtain competitive mortgage solutions for their unique situations. I do this by providing detailed advice and coaching

Read More »

What is Bridging Finance?

Mortgage Adviser Bridging finance offers a fast way to find finance which “bridges the gap” between the sale of your old property and the purchase of a new property. The

Read More »

What Does Your Lawyer Do?

There are a lot of hidden requirements when you first start your journey to homeownership. Having a trusted team on your side is a big help. A good lawyer is

Read More »