October 26, 2017

It’s a phrase you have probably heard before, and it has particular relevance to the way in which we conduct our business.

When it comes to matters relating to mortgage finance and buying or selling property, people can sometimes feel uncomfortable asking certain questions, as they don't want to risk receiving a response that makes them feel embarrassed ab...

October 25, 2017

If anyone ever tells you that paying your mortgage instalments fortnightly rather than monthly will provide significant cost savings, please consider this article before following their advice.

It is an urban myth that there are significant cost savings available by simply changing the frequency of the loan instalments. If the loan is geared to a 25-year t...

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...

July 5, 2017

While Mortgage Studio does not offer insurance advice, part of our responsibility as a Mortgage Adviser is to recommend that our clients speak with a professional regarding personal risk insurances. Banks don't generally require borrowers to have life insurance, income protection insurance or the like, but a lot of people aren’t aware of the benefit / com...

July 5, 2017

KiwiSaver First Home Withdrawal

If you’ve been a member of KiwiSaver for 3 years you may be able to withdraw some of your KiwiSaver savings and apply them toward the purchase of a first home. You may be able to withdraw the current value of:

  • Your contributions

  • Your employer’s contributions (voluntary and compulsory)

  • Returns on investment, and


July 5, 2017

At a time when the media seem to have a love affair with property, and regularly report how difficult it is for first home buyers to get onto the ‘property ladder’, I can see how some aspiring first home buyers might despair. What often doesn’t get reported is that there are a number of young people buying their first homes, utilising a combination of per...

March 1, 2017

We are specialist Mortgage Advisers. We don't offer insurance advice. However, we believe that it is important for our clients to understand the insurance options available to them and to make an informed decision as to which insurances might be suitable for their particular circumstances at various stages in their lives.

We are fortunate to have a great w...

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