Applying for a mortgage? Start the process now.

I was talking to one of my clients the other day, who told me that he’d be looking to increase his mortgage in March next year so he could buy a…
Painting a picture

You’re ready to buy a home or extend your loan and have started looking into a mortgage. Like most people, you might assume it’s a pretty…
Cash incentives for refixing

It’s one of our most common questions… “We have already fixed our rate, but what is the situation with cash incentives for refixing?” And a recent…
What’s the best interest rate strategy?

This question of what’s the best interest rate strategy has been something many homeowners haven’t considered for a while. I mean who needs to think…
New tenancy rules create landlord exodus? Whatever.

With new Tenancy rules coming in next month (Feb 2021) there’s been the usual gnashing of teeth from landlords who feel aggrieved about tenants…
Skills worth saving: How lockdown taught us how to beat the budget

Did you make a list of pursuits to keep you occupied during lockdown? If you weren’t wrangling under-5s or endeavouring to homeschool while doing…
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…
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,…
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…
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…