Category: Mortgage

Want to refinance to another bank for a better interest rate? Let’s talk.

Want to refinance to another bank for a better interest rate? Let’s talk.

When contemplating the realm of refinancing, a significant query often surfaces: Is it a prudent decision to shift to a different bank in order to access a more appealing interest rate? In this article, we delve into the aspects that demand contemplation when pondering a transition to an alternate financial institution with the aim of

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A Comprehensive Update for First Home Buyers

A Comprehensive Update for First Home Buyers

For those dreaming of becoming homeowners, the journey has been quite a challenge lately. The ever-increasing property prices and strict lending criteria have made homeownership in New Zealand seem out of reach for many. However, there’s good news on the horizon as the lending landscape is undergoing some significant changes. Let’s take a look at

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Embrace Winter: A Prime Season to Sell Your Home

Embrace Winter: A Prime Season to Sell Your Home

The perception that winter is not the most favourable time to sell a home is a common misconception that needs debunking. Throughout this article, we will delve into the advantages of selling properties during the winter months, shedding light on the opportunities that this season presents for homeowners. Embracing the resurgence of first home buyers

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The Comeback of First Home Buyers in the Real Estate Market

The Comeback of First Home Buyers in the Real Estate Market

We’ve got some fantastic news to share – first home buyers are making a strong comeback in the real estate market! After facing challenges in recent times, they’re now taking bold steps towards achieving their homeownership dreams. In this article, we’ll explore the factors driving this resurgence and offer insights into why this is an

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Is the NZ Housing Market Rebounding?

Is the NZ Housing Market Rebounding?

So, the housing market in New Zealand has had its ups and downs, right? Recently, we’ve seen prices drop due to interest rates going up and the rising cost of living. But it looks like things might be turning around sooner than we thought! If you’re holding off on buying a property, you might want

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The Power of Refinancing

The Power of Refinancing

Inflation and rising interest rates can have a significant impact on the financial landscape, particularly in the context of mortgages. As economies run hot, it’s not uncommon to witness an uptick in inflation and subsequently higher interest rates. If you’re a homeowner currently facing such a situation, it’s crucial to understand the potential benefits of

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Downloading Your Bank Statements

Downloading Your Bank Statements

When it comes to applying for a mortgage, one of the essential documents lenders require is your bank statements. Bank statements serve as a snapshot of your financial health as they provide lenders with insights into your income, expenses, savings, and overall financial habits. These statements help lenders determine your ability to repay the mortgage

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What’s the story with a 10% deposit? Is a 20% deposit better?

What’s the story with a 10% deposit? Is a 20% deposit better?

What are the benefits of a 20 percent deposit? It may be “the word on the street that you can purchase your first home with 10% deposit“, but what is really required? If you can walk into a property with 20% deposit, a whole new world opens up for us. There are better rates available,

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First Home Buyers Mortgage in New Zealand

First Home Buyers Mortgage in New Zealand

Navigating the property market for first home buyers in New Zealand can be challenging. This guide aims to provide you with a comprehensive understanding of the mortgage process, from determining your eligibility to understanding the various loan options available. By following these steps, you’ll be better equipped to secure your dream home in New Zealand.

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Mortgage Refinancing in New Zealand

Mortgage Refinancing in New Zealand

Mortgage refinance in New Zealand is a simple process, however it requires homeowners to thoroughly understand the costs and potential benefits associated with it. This article provides an overview of mortgage refinancing, discusses why it may be a good idea, and describes some of the fees involved. What Is Mortgage Refinancing in New Zealand? To

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Property Investment Mortgage in New Zealand

Property Investment Mortgage in New Zealand

Property investment in New Zealand can be an excellent long-term wealth building strategy, but one must make appropriate risk-management decisions along the way. A significant percentage of NZ investment properties are owned by large investment groups with more than 6 properties. However, with the right mortgage options, a healthy deposit, and a bit of help,

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