Banks can be very friendly when things are going well, but they can turn on you quickly if you get behind in your repayments – if you get into mortgage …
The Kāinga Ora Maintenance Clause (for First Home Loans)
If you intend to buy your first home using the Kāinga Ora low deposit First Home Loan scheme then you need to be aware of the eligibility and the maintenance …
The Less Known Rules For The First Home Loan Scheme
When you look at the Kāinga Ora website you will find the basic rules for the First Home Loan Scheme, but there are some less well known one’s that are …
What Lenders Look For In Your Bank Statements
Lenders are now looking at spending and bank statements in more detail when assessing people for a mortgage approval. Previously you would be asked what you spend and your mortgage …
Co-Ownership Offers Another Option For First Home Buyers
At times co-ownership offers the best option for first home buyers. It’s a way to get into your first home when you do not have a large deposit or find …
Why Do You Use A Mortgage Adviser?
There are a number of reasons to use a mortgage adviser with the obvious and maybe not so obvious. Working with a mortgage adviser can potentially save you time, effort, …
Low Deposit Options For Your First Home
What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a low …
Revolving Credit and Offset Home Loans
Revolving credit and offset home loans are two options that can help you manage your home loan and ultimately save a huge amount of interest: however most people know don’t …
Using Australian Super For Your House Deposit
Can you use your Australian super for your house deposit? As a mortgage adviser, it’s a question that pops up quite often. Obviously, a lot of Kiwis go across the …
Using KiwiSaver For Buying Your First Home
I get asked often if using KiwiSaver for buying your first home is possible. It is, but there appears to be some confusion about this and people are being given …