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 | 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 | 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...
by Cam | Apr 21, 2020 | Auckland Market, COVID-19, First Home Buyer
First Home Buyers: Your deposit will come back Unfortunately, community transmission of Covid-19 has been widespread amongst KiwiSaver funds. Balanced and growth funds have taken the biggest beating, but even the really conservative funds have had a few grazes. Unless...
by Cam | Feb 28, 2020 | Deposit Options, First Home Buyer
How much can I borrow? It’s rather appealing. The idea of punching a few numbers into an online mortgage calculator and getting an instant answer about whether or not you’re good to go on the mortgage front. Our slick market research (5 minutes of Googling) told us...
by Cam | Feb 28, 2020 | First Home Buyer, Guarantor
Building your house deposit – What you need to know For first home buyers the idea of saving for a house deposit has always meant hard work. In Auckland saving a house deposit has become pretty much impossible for the average Joe Blo. But listen up, that doesn’t...
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