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Buying a House Privately

Buying a House Privately

Buying a House Privately   Buying a house privately can come in different ways. One of the most common is when your landlord is looking to sell and offers to sell the property to you as the tenant. Ideally, well before they speak to any Real Estate agents.  Other...

Upgrading Your House and Where to Start

Upgrading Your House and Where to Start

Upgrading Your House and Where to Start   If you have pondered upgrading your existing house, then you have probably thought through the scenarios without really knowing what is possible or knowing the best option for your circumstances. Upgrading your house is...

What is a Mortgage buffer and how will it benefit me

What is a Mortgage buffer and how will it benefit me

What is a Mortgage buffer and how will it benefit me   A mortgage buffer is a bit of jargon for having an available limit on your mortgage(s) that you can access/redraw for emergencies or other needs such as a car, home improvements etc. There are different ways to...

Debt to Income (DTIs), First Home Grant and LVR Changes Coming

Debt to Income (DTIs), First Home Grant and LVR Changes Coming

Debt to Income (DTIs), First Home Grant and LVR Changes Coming   The Government/Reserve Bank recently made some announcements with changes to the housing market sure to affect borrowers in various ways come 1 July.   The first change is the immediate removal of...

Ways to raise your deposit for a first home

Ways to raise your deposit for a first home

Ways to raise your deposit for a first home. If you are a first home buyer, you probably think raising a deposit for a home can be a massive mountain to climb. But there are lending options ranging from 5% (saved) so you may be closer to your first home than you...

What is equity and how do I improve it and use it?

What is equity and how do I improve it and use it?

What is equity and how do I improve it and use it? Firstly, for the purposes of the article and the business we are in, by equity we mean the value created in your house if you were to sell and pay off any outstanding debt. So, if your house is worth $1,000,000 and...

Player partnership sponsorship

Player partnership sponsorship

At Craig Pope Financial we’re proud to be the official player partnership sponsor for the Wellington Phoenix Football star player Oskar Zawada! And he didn’t disappoint by scoring a cracking goal last week and then followed it up with a hatrick at the weekend. Looking...

Using a KiwiSaver to Buy a House

Using a KiwiSaver to Buy a House

Using a KiwiSaver to Buy a House   You’re ready to jump on the property ladder. The KiwiSaver that you’ve been carefully growing is finally large enough for a house deposit. Now what? Using a KiwiSaver to buy a house should be a straightforward process. But there...

7 Barriers to Getting a Mortgage

7 Barriers to Getting a Mortgage

7 Barriers to Getting a Mortgage   Below are some of the typical reasons for having your mortgage application declined and some tips on how we fix the problem! As a mortgage broker this is our daily business helping improve your chances of approval.  ...

Craig Pope Mortgage Update October

Craig Pope Mortgage Update October

Craig Pope Mortgage Update October   If you are like me, you are Election fatigued! I think we all want to move on with life and have a new plan moving forward as a country (and some summer weather would help). With the cost of living being at the top of...