If you’ve been looking for a home for a while, you’ve probably put some thought into the option of building a new house or buying a new-build property. Committing a whole heap of money to something that doesn’t exist yet
Despite the best of intentions, not all business and personal relationships survive the test of time. If the partners own a property together they’ll likely share a mortgage, so what happens to that loan if they break up? In a
When you’re thinking about getting a mortgage, you’ll probably run into a whole new world of three-letter names for things. If someone’s using these acronyms without first explaining what they mean, be sure to ask. There are no silly questions
Whether you’re a first home buyer or looking to upgrade, one of the most important rules is to know what you can realistically afford. And what you can afford isn’t the same as what you could pay if you really
Whether you’re applying for your first mortgage, restructuring an existing loan or refinancing to a new lender, it helps to understand why people choose different fix-float strategies. This guide is designed to get you thinking before talking with a mortgage
This article provides information on working with a mortgage adviser when you’re refinancing a mortgage. We also have a free service that connects you with one of New Zealand’s best mortgage advisers from our handpicked panel. First up, let’s define ‘refinancing’. It
If your mortgage application has been declined, the most important thing is to understand why. It’s an opportunity to ask questions and get advice, so you can develop a new strategy. To help you make the most of this first
If your mortgage application has been declined, it may help to know you’re not alone. Less than half of all applications are approved these days. While the new lending rules have certainly made things more challenging, declined applications have always
As 2022 began, most Kiwis were enjoying a glorious summer and a break between Covid variant surges. But for mortgage applicants and people preparing to apply for increased credit, the reality of new lending rules was becoming increasingly apparent. It
