August 30, 2024
Borrowing Just Got Easier: Changes to Lending Test Rates
As of August 2024, many of the major banks and non bank lenders have decreased the lending test rate they...
Category Archives: Lending Criteria
August 11, 2024
Borrowing Just Got Easier: Changes to the Responsible Lending Code
As of 31 July 2024, the New Zealand Government has loosened the Responsible Lending Code rules. The changes mean a...
November 7, 2022
Mortgage Preparation
Saving for a deposit on a house? Read on for other key steps to prepare your finances when applying for...
October 3, 2022
How does a student loan affect getting a mortgage?
Does a student loan affect getting a mortgage? If you earned a degree recently, then there’s a good chance you’re...
August 7, 2022
Everything You Need to Know About Credit Scores
What is a credit score? What is a good credit score? Your credit score is a rating given to you...
May 16, 2022
How soon can you re-apply after your mortgage application was declined?
We hear the phrase “My mortgage application was declined” on almost a daily basis. With the current tight lending rules,...
April 6, 2022
Mortgage Lending Criteria in NZ
What is the Mortgage Lending Criteria in NZ? Looking to buy a home and want to know what the banks...
March 23, 2022
Four Important Services That Mortgage Brokers Provide For Life
Mortgage brokers provide important services throughout the life of your mortgage....
February 24, 2022
What do lenders look for in a home loan application?
What do lenders consider when assessing a home loan application? When preparing to apply for a home loan, it can...