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 …
Does A Student Loan Affect Getting A Mortgage
First home buyers often asks “does a student loan affect getting a mortgage” and if they can. The answer is YES your student loan does affect your ability to get …
Does Debt Affect Getting A Mortgage?
Having debt won’t automatically stop you from getting a mortgage, but to answer the question of does debt affect getting a mortgage then the answer is it does to some …