Home Loans - May 25th Low Deposit Home Buyers Beware of the Low Equity Premium Another day, another new low mortgage rate! A race to the bottom isn’t usually regarded as a good thing. But for those seeking a cheap mortgage, the regular lowering of bank interest rates can only …
Home Loans - May 21st Kiwibank wins Canstar’s Bank of the Year Award for Home Loans On paper the following equation adds up: Cool Housing Market + No Loan-to-Value Ratios + Record Low Interest Rates = Perfect Time to Buy a Home However, as we all know, due to the recent pandemic, …
KiwiSaver Funds - May 14th Investing in Bonds – What You Need To Know Bonds, bonds, bonds … they’re everywhere at the moment. As the Treasury has got busy issuing billions of dollars in extra New Zealand Government bonds, the Reserve Bank of New Zealand (RBNZ) has been just …
First Home Buyers - May 11th For First Home Buyers, Old Rules Apply in the New Mortgage Environment The more things change for first home buyers (FHBs), the more they stay the same. Yes, interest rates are at record lows. And, yes, the loan-to-value ratios (LVRs) have been scrapped for at least the …
Home Loans - May 6th What Is A Low-Doc Home Loan Even before the term “gig economy” was coined and working for Uber became a career opportunity, New Zealand was already a country comprising of the self-employed and small businesses. According to government statistics, 97% of businesses …
Home Loans - May 1st Is Now the Right Time to Purchase an Investment Property? Many poets have mused on the idea that there are positives to be found during times of adversity, from silver linings to ill winds. And now Sir John Key has revealed his own financially astute …
KiwiSaver Funds - April 29th Should I Change My Investment Strategy Due to the Pandemic? Author: Isabella Shoard The impact of Covid-19 has been felt significantly in the global markets with share prices rising and falling and the environment for investors continuing to appear fragile. The pandemic has had a significant …
Credit Cards - April 28th How to Deal with Being Made Redundant Whether you see it coming, or it's a complete surprise, getting made redundant is a real kick in the teeth. Not only does it impact self-confidence, it can take a huge toll on personal finances. Thankfully, …
First Home Buyers - April 22nd Removal of the LVR Restrictions: What it Means for First Home Buyers Given the dark clouds looming over our economy, the news that the Reserve Bank of New Zealand (RBNZ) is planning to scrap its loan-to-value ratio (LVR) restrictions for at least a year is a small …
Savings Accounts - April 21st Cash, Property, Shares, or Bonds? An Easy Guide to Investing Securing your financial future requires more than just keeping your money somewhere safe. If your regular cash flow leaves you with enough resources to set some aside each month, choose investment as the smarter, more …
