Archive of: Mortgages & Lending
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Mortgage advice posted December 14, 2011
Two interesting scenarios have come across our desks in the last 10 days and I hope they demonstrate to you why you would use the go2guys as your mortgage broker over the DIY approach. In the first case we suggested to a couple that they tidy up a handful of things (especially their account conduct) [...]
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Interest Rate Outlook posted December 14, 2011
Don’t turn on the news if you want any light relief – even though we got through the election rather painlessly we are still subjected to painful scenes every night. Most of which come from overseas and it is not uncommon to see 3 or more clips of rioting or fighting amongst citizens of the [...]
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Buying a home ain’t easy! posted November 21, 2011
So you decide to go house hunting and wouldn’t you know it, the first house you see is exactly what you want and at the right price. It’s a great deal and it’s staring you in the face. But you find yourself hesitating, unsure if you should make an offer or not. What’s holding you [...]
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Kiwisaver as deposit for first home posted October 19, 2011
Lately, more and more clients have been approaching us hoping to use their Kiwisaver money as part or all of their deposit for a first home purchase. Which is really great to see. But often, they are confused as to what they can access. If you want to use Kiwisaver money as your deposit, there [...]
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NZ interest rate outlook – Sept 2011 posted October 4, 2011
Occasionally the tyranny of distance can be your friend and being a little isolated and removed from the debt crisis fallout in Europe is certainly a good thing at this juncture. However while activities in these larger markets do have an impact on our funding cost the severity of their impact is lessened. Nonetheless, the [...]
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You don’t need 5% deposit to buy an apartment… posted September 26, 2011
Buying an apartment sure has it’s attractions. They’re generally well located in the centre of a city which makes them handy to work, entertainment and shopping. The other beauty is that there aren’t any lawns to mow or gardens to take care of. Plus they have security features and privacy a regular house doesn’t always [...]
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Home Loan Repayment Calculator posted September 23, 2011
I was reminded the other day about just how important a home loan repayment calculator can be. How’s that? Well, I’m in the market for a house for myself right now and although the bank will lend me a certain amount I don’t want to use all of it because I have a budget that [...]
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Welcome Home Loans posted September 11, 2011
The NZ government home loans scheme (otherwise known as Welcome Home Loans scheme) has begun to make some inroads into home ownership for those people who don’t have a big deposit. In fact, the scheme actually allows you to borrow without having to put in any deposit at all. Sounds like great news for just [...]
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Auckland suburb house prices posted September 11, 2011
Two recent newspaper articles have provided some interesting insights to the current state of the Auckland property market. The first looked at changes in house prices over the last 12 months, suburb by suburb. Nationally, 7 of the top 10 suburbs were in Auckland, 5 in the old Auckland City and 2 on the North [...]
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Thinking about online home loans posted August 30, 2011
I don’t know about you but it’s hard to imagine life without online banking. Being relatively quick and at your fingertips, it’s just so convenient, you almost wonder how we got on without it! But the reality is that online banking hasn’t been around very long, only about ten years. Banks and brokers alike have [...]
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