Mortgages

“I have a few questions Mum, Dad. I hope you can help. I really want to own my own house one day soon and I’ve

It’s stressful when your mortgage application gets declined. Sometimes the bigger reason why you’re stressed isn’t that it’s declined, it may be because you don’t

Yesterday was a big news day in New Zealand. Jacinda announced a return to an Orange COVID traffic light setting just in time for the

There are several different repayment structures available to help you pay off your home loan in the best way possible. You can even place some

If you didn’t already know, (it’s OK if not, that’s what we are here for!), but there is more than just the one way to

It’s a befuddling, confusing, daunting experience. Whether it is your first home loan, or figuring out how to use your equity to purchase investment properties

If you’re looking to potentially save thousands of dollars that would otherwise just go to the bank’s back pocket, then you best get yourself educated

Most people use the words interchangeably. Technically a mortgage is security you give to your lender over your property. While a home loan is a

What is debt consolidation? Debt consolidation is when you take some or all of your different loans and put them into a new loan with

What is Mortgage Cross Securitisation? When a bank has security over multiple properties but treats them as a single security. For instance, you have 2

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Using Interest-Only Mortgages to Minimise Payments Generally, interest-only mortgages are designed to allow a property investor to secure new property by using their current home(s) as security

If you are struggling to keep up with your mortgage payments or just need to minimize your monthly expenses for a while, then you might

Utilising an Offset Mortgage Let’s have a quick look at offset mortgages. So, with a normal mortgage, what you’re doing is paying interest on the

Let’s talk about mortgage interest rates. So, maybe your refix is coming up, or you’re going to buy a new property, or you’re keen to

Buying property with family and friends If you’d like to keep investing in more property and you’re thinking you might want to do it with

LVR Rules and LVR Restrictions LVR stands for Loan to Value Ratio and is the percentage of mortgage to the value of your property. For

What is refixing my mortgage? When your fixed rate term comes up for renewal you can refix for another fixed rate interest rate term. The