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 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…
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…
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…
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…
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…
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:…
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…
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…