August 22, 2017

I like the saying “you don’t know what you don’t know” and I think that it can be applied to many borrowers when it comes to mortgages. There is a lot more to mortgages than most borrowers (or would-be borrowers) realise, and many borrowers just don't know what questions to ask. Many focus solely on the interest rate (which is understandable, given that b...

August 22, 2017

Many aspiring homeowners believe that in order to buy a home, they need to have a deposit of at least 20% of the property's value. What a lot of people don't realise is that the banks are able to lend 10% of their new lending for low deposit home purchases. Although it is a small portion of their total lending, it does enable the banks to lend to borrower...

August 7, 2017

You might have seen media articles or reports about reductions in property values or a slowdown of the market, particularly in Auckland. But what does this mean – in practical terms – to the average property owner?

For many, the answer is not much (apart from having to accept a reduction in ‘net worth’). Property values are volatile. They can reasonably be...

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