by Cam | May 25, 2020 | COVID-19, Deposit Options, First Home Buyer, Mortgage Adviser
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 Adviser, 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 Adviser
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 15, 2020 | COVID-19, Finances, Mortgage Adviser
Lockdowners: Have you done a budget yet? We’re now into the fourth week of lockdown and you’ve probably had plenty of time on your hands. Time to watch Netflix. Time to use a small portion of the 20kg bag of flour you panic bought. Time to get seriously anxious about...
by Cam | Apr 1, 2020 | Auckland Market, COVID-19, Mortgage Adviser
COVID-19: What’s the short-term outlook for the property market? Over the last week or so people have asked me what my view is of the property market here in New Zealand with all this Covid-19 business going down. My answers? Well, here’s my outlook short-term....