Buying a Home

40% deposit to go?

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The RBNZ Governor delivered a speech today at the Northern Club in Auckland. The RBNZ has steered through some turbulent times. The global landscape has been scoured with the after affects of the GFC; negative interest rates, low inflation and...

Buying at Auction

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Trading up your home – bridging finance

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On average half of all New Zealanders change their address every five years(Statistics  NZ). As families grow, priorities change. School zones or that extra bedroom become more important. Before selling your home make sure you get your next home loan approval...

Options for 20% Deposit on Investment Properties

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Buying an investment property with less than 40% deposit or equity is possible with some of our lenders Non bank lender – higher interest rates than the bank (call for quotes) 20% deposit (out of Auckland and Hamilton) 30% deposit...

Auction – 5 things to check

Pre-auction check in Auckland

If you’ve been house-hunting in Auckland, you’ll know that the majority of properties in the region are selling at auction. This is tough for buyers. You have to do all the checks before the auction, spending time and money, running...

Where are house prices moving quicker?

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Some very interesting figures from QV.co.nz out in the past week which shows a bit of a slow down in house price increases for Auckland. After a few years of gains which were hovering in the 20% mark it seems...

How much deposit do I need?

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How much deposit do you need? The amount of deposit you need really depends on what you are trying to do. Apart from each individual bank’s own rules, there are also restrictions from the central bank one must adhere to....

Bridging Finance

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Bridging finance helps you to buy a house and buys you time to sell afterwards. On average half of all New Zealanders change their address every five years(Statistics  NZ). As families grow, priorities change. School zones and that extra bedroom become...

Should I use a Trust?

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Trusts Setting up a family trust is certainly worth considering if you hold any assets, especially any real estate but before you do, it is worth acquainting yourself with how a trust works. What is a trust? A trust is...

Kiwsaver towards your home?

Whilst KiwiSaver has been set up to facilitate saving for retirement, you may wish to consider withdrawing your current KiwiSaver savings as this could provide welcome funding for your first home purchase. Two Choices It is important to note that...