5% Deposit Home Loans: What Actually Changes When You Have Less Than 20%?
Buying with a 5% or 10% deposit in NZ? How the LVR rules, low equity margins, the Kāinga Ora First Home Loan and bank criteria change when you have less than 20%.
Revolving credit mortgage NZ: how it works, and when an offset is better
How a revolving credit mortgage works in New Zealand, how it compares with an offset home loan, and how to pick a limit that saves interest without turning into a second credit card.
My Top FIVE Tips For First Home Buyers
As a mortgage adviser, I see many people who want to buy their first home. So I’ve put together a list of tips for first home buyers. These are my 5 top tips for first home buyers. Let’s have a look at these and see if they can help you. These might seem obvious to […]
Direct to the Bank or go to a Mortgage adviser?
We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage adviser. To help answer this we decided to do a short article and to focus on just the one main reason why going directly to the […]