A property is one of the most expensive things you’ll ever buy. The amount you borrow and the interest you’ll pay over decades can be huge. So, whether you’re looking for a new mortgage or reviewing the one you have, it’s worth investing some time into getting the best arrangement for your current circumstances and
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Despite the best of intentions, not all business and personal relationships survive the test of time. If the partners own a property together they’ll likely share a mortgage, so what happens to that loan if they break up? In a business partnership, there’s usually a written agreement about what will happen in various scenarios, including
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This article provides information on working with a mortgage adviser when you’re refinancing a mortgage. We also have a free service that connects you with one of New Zealand’s mortgage advisers from our handpicked panel. First up, let’s define ‘refinancing’. It can be a confusing word, because it’s often used to describe the process of
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If you’re looking at getting a home loan or refinancing, the new rules around lending might feel like a bucket of ice water over your head. We all knew lending criteria were about to tighten, but the reality has taken a lot of people by surprise. As with any other sort of change it helps
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When it comes to choosing a mortgage broker or mortgage adviser, there are quite a few things to check out and carefully consider. This article will help you to ask the right questions, so that you can choose a broker that suits you. For example, you’ll need to know whether a broker will charge you
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When you’re thinking about buying your first home or moving up to your next home, it helps to get your head around the acronyms and jargon that lie ahead. If someone’s using these abbreviations without first explaining what they mean, be sure to ask. There are no silly questions when it comes to making good
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For some years now, New Zealand’s main banks and other mortgage lenders have been known to offer a cashback reward to eligible customers when they draw down (start) a new mortgage. It’s typically a lump sum cash payment of $1,000 to $3,000 – or even significantly more, depending on how much you’re borrowing. In this
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Getting a mortgage is a big deal. Where do you go to find the best lender for your circumstances? What criteria will you have to meet? When and how do you apply? There are so many questions to navigate. Fortunately, mortgage brokers have many of the answers. A mortgage broker is an expert when it
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