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What are low equity margins?

In New Zealand the banks will normally charge a low equity margin on home loans where there is less than 20% equity or deposit.
Learn more here: http://bit.ly/2LZNE9j 

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Getting A Home Loan With A 5% Deposit

You might have thought that this was not possible, but recent changes have seen low deposit home loans on the menu again.
They might mean you can buy your first home when previously not having a deposit has meant you have to continue renting ... and saving.
http://bit.ly/2Nu2LuQ 

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While it is possible to engage more than one mortgage broker, it’s not really going to benefit you and will often cause issues for the mortgage brokers too.

You are always better to work with just one good mortgage broker.
http://bit.ly/32HTena 

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Can Auckland Housing Become Affordable Again?

Should we blame the "crisis" on the lenders’ willingness to extend increasing amounts of mortgage debt in proportion to borrower incomes?

In this article it's claimed that this is what has facilitated Auckland’s severely unaffordable house prices.

http://bit.ly/2LCJ5Tk 

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The outdoor shower suits the Kiwi lifestyle.
So why not make a feature from one.

http://bit.ly/2L9dPrr 

Are Mortgage Brokers Free?

As mortgage brokers we get asked a lot of good questions.
Some are easy to answer, while others are not so easy.

We have answered this here: http://bit.ly/32KSSfF

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Switch Banks & Pay Your Mortgage Off Faster

Not all home loans are created the same.
Some banks have features that make it easier to pay your mortgage off faster.
So wouldn't it make sense to switch to the bank that makes it easier?

http://bit.ly/2Ltr5dZ 

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How are your chances of getting a 95 per cent loan?

When the Government did the KiwiBuild "reset" some people were happy to see the 5% deposits being talked about.
But they were already available.

So is this really going to make any difference to the people that KiwiBuild should be targeting?

http://bit.ly/2NaOumm 

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Improving Habits...

We all have some good habits and some bad habits.
Some habits will impact on your finances too.
Change at least one of your financial habits today and see what a difference that can make.

http://bit.ly/32zJ5ZJ 

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You want to pay your home loan of faster - who doesn't.

A home loan is a huge commitment, and it makes sense to have a loan structure and bank that makes it easy to pay it off quicker.
It's amazing how much you can save too!

http://bit.ly/2NOHT0n 

Get The Right Home Loan First

People Often Ask Can I Pay More Off My Mortgage?
The answer should be YES, but it often isn't.
Maybe that is because you have the wrong home loan...

http://bit.ly/2UinJx6 

Winter Is About To end ... It's Spring

So it’s time to spring clean the home.

That means putting some time aside, and also checking that you have all of the cleaners that you “need” for your clean up.

But there are so many cleaning products available and they are not cheap.

http://bit.ly/2Ujg01N 

Do You Need A Fresh Start With Finances

We cannot dwell on the past, but unfortunately the banks often do.
They can penalise us for years after we have had something go wrong and make getting finance more difficult.

Well one bank whom we work with is changing this .... they will give you a fresh start.

Sometimes We Need A Fresh Start - http://bit.ly/2MKARu8