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What is the First Home Buying Process?
What is the First Home Buying Process? Buying a house is a complex business with lots of twists and turns. In this blog we have tried to simplify the process and how it fits in with our process to give you an idea of how it all rolls…. 1. Mortgage application and...
6 key things borrowers forget when managing their home loans.
6 key things borrowers forget when managing their home loans. Banks’ cross securitise property Meaning if you own multiple properties and have all the lending with one bank, chances are they are ‘cross securitised’. So, all the loans are secured against all the...
Making The Most of Every Dollar: Ten Tips On How To Thrive In A Recession
Making The Most of Every Dollar: Ten Tips On How To Thrive In A Recession The recent news that New Zealand has officially entered a recession, with the economy shrinking 12.2% in the three months to June, is worrying for everyone. Now is the time to get your finances...
Glossary of terms Part 3
Glossary of terms Part 3 Low Doc or No Doc Loans Also could be known as ‘Self Cert’. Commonly used for self-employed people who do not have their financials readily available and self-declare what their income is. ‘No Doc’, also known as Asset Lend where no proof of...
Glossary of terms Part 2
Glossary of terms Part 2 Conditional Agreement An agreement with conditions that must be met before everything becomes final. Both the buyer and the seller can put conditions in the agreement. Buyers often ask for conditions about checking the Certificate of Title,...
How to Choose the Right Financial Advisor for You
How to Choose the Right Financial Advisor for You Securing a mortgage and buying your first home is often considered to be one of the most stressful events in a person’s life. I know first-hand from listening to new clients just how frustrating it can be, going back...
Glossary of terms Part 1
Glossary of terms Part 1 The lending world is full of jargon and technical terms, below is the first part of our series helping you with some of the tricky stuff… Accrued Interest Interest calculated but not yet added to the loan. Amortisation Systematic repayment of...
5 Ways to Create Passive Income
5 Ways to Create Passive IncomeImagine a regular pay cheque that goes straight into your bank account and requires minimum effort to generate. Sounds too good to be true, doesn’t it? But passive income - an enterprise or asset that makes money which you’re not...
What do we need to provide for a mortgage application?
What do we need to provide for a mortgage application?For a routine mortgage application, we need to supply potential lenders with the following: A completed mortgage application (usually done in our online form). This same form can be used to apply to different...
How can a Deed of Acknowledgment of Debt help my kids buy a home?
How can a Deed of Acknowledgment of Debt help my kids buy a home?It’s a challenging time out there for first home buyers, and ironically not from over inflated house prices! Getting money off the banks these days for your first home can be a struggle. More and more,...