When Maria moved from Brazil to Hawke’s Bay 25 years ago, owning a home in New Zealand wasn’t in her sights. But recently, she took a well-earned day off to relax and enjoy her brand-new home. Her reason for buying a home was to create a...
Dreaming of owning your first home but feeling stuck because you don't have that magic 20% deposit?You're not alone, and more importantly, you're not out of options. While saving 20% is ideal, there are other ways to get your foot on the property ladder.A guarantor...
Christie* never thought she'd own her own home at 50. After her relationship ended, she started renting. When she received a small inheritance, she took a look at her KiwiSaver balance and thought maybe there was enough for a house deposit.She began looking at open...
Separation and divorce are among life’s most emotionally and financially challenging experiences. Owning property together can make things more complex.Peter Barry, one of our Mortgage Advisers, says “Unfortunately we see this often, but we can help our clients – together or separately – work through...
The excitement of finding your dream home can sometimes lead to overlooking crucial details in the paperwork. As Mortgage Adviser’s with years of experience guiding clients through home purchases, we have seen issues arise from hastily signed sale and purchase agreements.Double and triple check the...
As Mortgage Adviser’s with a front-row seat to New Zealand's housing market dynamics, we are seeing signs that our current buyers' market may not last much longer. With interest rates lowering and lending criteria loosening, a shift to a sellers’ market may change some people’s...
Time for a mortgage restructure? Is your mortgage still fit for purpose? With mortgage interest rates increasing, and many borrowers’ fixed-term rates due to expire in the next few months, it’s worth looking for ways to make your home loan work better (and harder) for you. Read...