Teaming Up to get a Foot on the Ladder
Joining forces with friends or family to get a mortgage together can be a clever way to get your foot on the property ladder. Here’s what to consider…
Reducing Tax: Writing Off Mortgage Interest as a Small Business Owner
Did you know you may be able to write off some of your mortgage interest as a business expense if you work from home? Plus there are other tax deductions you may be able to take advantage of too…
Revolving Credit Mortgages 101
A revolving credit mortgage can shave years (and thousands of dollars) off your mortgage - but only if it’s used wisely…
Timing is Key: Mortgage Tips for Business Owners
Self-employed? Strategically timing your mortgage application can make a huge difference…
To Break, or Not to Break…
That is the question! We explore break fees, and how to calculate the costs and benefits of breaking your fixed term early…
Looking Back to Look Ahead
What NZ economists predicted about the housing market + interest rates, and what we can learn…
The upcoming Tax Cuts: Pitiful… or Potential?
We’re about to get a (little) bit of extra income through tax cuts. What would happen if you put it straight into your mortgage, or KiwiSaver?
Is Now a Good Time to Refinance?
Refinancing your mortgage can be a very smart financial move. The timing, however, is crucial (and can be costly!)…
Top Reasons to Use a Mortgage Broker
Why a broker’s your best bet when it comes to locking down a mortgage…
Separation/Divorce + Home Ownership
If you’ve always had a joint income, can you afford a mortgage on your own?
Upping Your Credit Score (Before Applying for a Mortgage)
Improving your credit score is a crucial step in preparing for a mortgage. But how?
Fixed Interest Rates Expiring: Now’s the Time to Act!
We’re at a critical time in the interest rate cycle. Understand what this means for your financial future, so you can take the right action…
How Much can I Borrow for a Mortgage?
How lenders determine how much you can borrow, and what you can do to maximise your borrowing power…
Fixed vs. Variable Interest Rates: Which Is Right for You?
Choosing between fixed and variable interest rates is a key decision in the home-buying process. Let’s discuss the advantages and disadvantages of both options…
Using Your Home Equity for Renos (+ Other Goals)
You can leverage the value you’ve built in your property to achieve other goals - like renovating your home, consolidating debts, or investing in other opportunities…
Exploring Non-Bank Mortgage Lenders
Not everyone qualifies for main bank lending, but that doesn't mean the end of your homeownership dreams…
What’s Your Credit Score + Why Does it Matter?
Your credit score tells a lender whether you are a high-risk borrower or a low-risk borrower…
Little Ways to Save Large!
Small changes can save you REAL big on your mortgage (and get your mortgage-free faster)…