by Cam | Jul 3, 2020 | Deposit Options, First Home Buyer, Mortgage Broker
Will having a flatmate help you buy your first home? First home buyers often wonder aloud about whether or not the bank will include flatmates in their mortgage affordability calculation. Will that ‘income’ let you get a bigger mortgage and a flasher house? Or even...
by Cam | Jun 3, 2020 | Finances, Mortgage Broker, Refinancing
When to jump at the best interest rate About 10 days ago there was a flurry of activity on the interest rate front. ANZ appeared to lead the downward charge and everyone else followed, then ASB went one better, and everyone followed that. It turned out to be three...
by Cam | May 25, 2020 | COVID-19, Deposit Options, First Home Buyer, Mortgage Broker
LVR changes? First home buyers, sorry, they mean diddly squat to you You’re probably well aware that the RBNZ removed the LVR restrictions on 30th April 2020. What you might not realise is that this was done so that the mortgage relief being granted to people as a...
by Cam | May 6, 2020 | Auckland Market, Finances, Mortgage Broker, Refinancing
Time to refinance: Should you? Before I answer that question it’s worth defining what ‘refinance’ actually means because it’s a word people use in different ways. Some people use it to mean ‘change banks’. Usually because they’re annoyed with their current bank or...
by Cam | Apr 30, 2020 | COVID-19, Deposit Options, First Home Buyer, Mortgage Broker
INCOME: Why quality’s (almost) more important than quantity right now Bigger is better right? The more the merrier too? In a financial context both make a lot of sense. When you think about borrowing money for a mortgage in the Auckland market, the more income you’ve...
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