December 18, 2024
Less Than 20% Home Deposit? Understanding Low Equity Margins and Premiums
Buying your own home with less than 20% deposit is possible! While 20% is the magic number for getting your...
Category Archives: Mortgage Broker
Mortgage Break Fees: What You Need to Know
Breaking a fixed-term mortgage usually incurs break fees. These fees vary, so understanding your break fees is vital when deciding...
November 4, 2024
What do lenders look for in a home loan application?
What do lenders look for in a home loan application? When preparing to apply for a home loan, it can...
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...
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...
July 1, 2024
The DTI Restrictions are Here – What Does This Mean?
As of 1 July 2024, Debt-to-Income (DTI) restrictions have been introduced as an additional affordability check for lenders to complete...
May 30, 2024
End of Financial Year Tax Tips for NZ Property Investors
End of Financial Year Tax Tips for NZ Property Investors Tax season can be daunting, but it’s a great time for...
March 12, 2024
Pre Settlement Mastered A Comprehensive Guide for Home Sellers
So you have sold your home? Congratulations! Now you need to master the pre-settlement process. This comprehensive step-by-step guide, provides...
March 11, 2024
Moving to Australia – Sell or Rent Out NZ Property?
This article is for New Zealanders moving to Australia, and provides guidance and factors to consider when deciding whether to...