Lending Archives

Key Professionals You Need When Buying a House

Post author:Luke Libby
Post published:November 21, 2024
Post category:Lending

Navigating through the world of property can often feel pretty overwhelming, but not when you’re alone! This industry lends itself to so many knowledgeable professionals who know the market, the rules, and the all of the key hacks to ensure you get the best deal when it comes to buying, borrowing, subdividing, renting, and much more. Whether you’re a seasoned home buyer looking to grow your property portfolio, or a first home buyer looking to get their foot in the door, this article will talk you through exactly what these property professionals do and can help you with so that you can feel confident when taking your next steps and wherever they may lead you!

Home Loans Explained

Post author:admin
Post published:October 29, 2024
Post category:Lending Property

Buying your first home is an exciting milestone, but navigating the world of home loans can feel very overwhelming. With so many terms, lenders, regulations, and options to consider, it’s easy to get lost along the way. In this article we break down the essentials so you can feel confident about securing the right loan and making your dream of homeownership a reality.

Banks Said No? The Risks of Second Tier Lending

Post author:jacque
Post published:October 15, 2024
Post category:Lending Property

Buying property is a great way to begin to build wealth for you and your family, but depending on your financial situation, equity position, and the banks tightening their debt-to-income ratios, it may be a “no” from the banks when it comes to lending.

Contractor vs. Employee: Which is Best For Me?

Post author:jacque
Post published:July 11, 2024
Post category:Lending Your Money

There are two main options when it comes to work within New Zealand; to work as an employee, or to work as a contractor. Each path offers a unique set of benefits and challenges that you may not have considered before. If you’re thinking of making a career change, are just entering into the workforce, or are thinking of buying a house and are wondering what sort of implications your work status may have on your lending ability, then keep reading.

Financial Coach vs. Mortgage Advisor – What are both roles and how are they different?

Post author:jacque
Post published:May 1, 2024
Post category:Lending Your Money

The finance and property world can be a daunting one when you’re first starting out – it seems like you’re never able to just dip your toes in – you instead have to dive headfirst and immerse yourself in more lingo and jargon than you thought was humanly possible. Even the words you thought you knew the meaning of are beginning to sound strange when used in a new context, bottom line, it’s all a bit overwhelming!

Navigating the Reserve Banks New Debt-to-Income Ratio Restrictions for First Home Buyers and Homeowners

Post author:jacque
Post published:April 4, 2024
Post category:Lending

The Reserve Bank is looking to revamp its rules for retail bank mortgage lending and plans to bring in debt to income ratio (DTI) restrictions mid-way through 2024. But what is debt to income ratio, and how can it affect me as a first home buyer, homeowner or property investor?

How to Cut 20 Years Off of a Mortgage Without Increasing Regular Repayments

Post author:jacque
Post published:January 24, 2024
Post category:Lending

Learn how you can cut 20 years off your mortgage without increasing regular repayments and as a result, pay a lot less in interest, saving you hundreds of thousands of dollars.

How to get the lowest interest rates in a high-interest rate market

Post author:jacque
Post published:January 12, 2024
Post category:Lending

In this article, you’ll learn how you can achieve the lowest interest rate with your bank and how you can save on your mortgage in the current market, with two…

When will home loan interest rates go down?

Post author:jacque
Post published:January 10, 2024
Post category:Lending

When will interest rates go down in the current market? In this article, we’ll give you three tips on how to predict whether interest rates are going to go up or down.

Mortgages for the Self-Employed

Post author:jacque
Post published:October 5, 2023
Post category:Lending

If you're wanting to secure a mortgage while you’re self-employed then listen up as this blog is for you! If you are self-employed and have a self-employed income; you may be wondering; how can I make the bank see that I actually have enough income to pay my bills so I that can afford a mortgage?

Latest Blogs

Key Professionals You Need When Buying a House
Navigating through the world of property can often feel pretty overwhelming, but not when you’re alone! This industry lends itself to so many knowledgeable professionals who know the market, the rules, and the all of the key hacks to ensure you get the best deal when it comes to buying, borrowing, subdividing, renting, and much more. Whether you’re a seasoned home buyer looking to grow your property portfolio, or a first home buyer looking to get their foot in the door, this article will talk you through exactly what these property professionals do and can help you with so that you can feel confident when taking your next steps and wherever they may lead you!
Home Loans Explained
Buying your first home is an exciting milestone, but navigating the world of home loans can feel very overwhelming. With so many terms, lenders, regulations, and options to consider, it’s easy to get lost along the way. In this article we break down the essentials so you can feel confident about securing the right loan and making your dream of homeownership a reality.
Banks Said No? The Risks of Second Tier Lending
Buying property is a great way to begin to build wealth for you and your family, but depending on your financial situation, equity position, and the banks tightening their debt-to-income ratios, it may be a “no” from the banks when it comes to lending.

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