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Creating future retirement income by buying investment properties is a time-honoured way to build your wealth, so you can achieve freedom from work. And we’re not just talking about retirement in your mid-60s. There’s a global movement called FIRE (financial independence, retire early) that attracts younger followers. So whether you’re
Property investment has been big news over recent years. Low interest rates and soaring demand for property increased FOMO to record levels, so properties suitable for investment were being snapped up as quickly as they appeared. In response, the government moved the bright line for capital gains tax and is
Are you considering a land purchase to build on straight away or to hold for future plans? Or maybe you want to build an investment
The yield on any investment usually refers to how much money it makes each year as a percentage of the amount invested. This percentage sometimes
If you’ve owned a property for a few years you could have a good amount of equity tied up in it, particularly after the increase
Commercial property has provided investment opportunities for generations of New Zealanders. Options range from direct property ownership to investing in shares of commercial property companies.
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
Whether you’re a sole trader, a freelancer, in a partnership with someone or a director of a limited company, being your own boss comes with
Whether you’re buying your first home, next home or an investment property, you might need to get a registered valuation to finalise your home loan.
When you have a mortgage ticking away with regular repayments happening automatically, it can be easy to simply let things continue as they are. But
When you’re borrowing to buy a home or an investment property there are several different types of mortgages to choose from. Once you understand how they
As its name suggests, an interest-only mortgage means your regular weekly, fortnightly or monthly repayments only include the interest charged. So you don’t repay any
When it comes to getting a new home loan or refinancing a property, many high-income households face a choice of working with a personal banker
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
You’ve probably heard there’s usually no charge to use a mortgage broker (mortgage adviser). That’s because they’re paid a commission by the lender you end
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
Moving from one mortgage provider to another involves applying for and getting a new loan, then using that loan to repay your old one, so
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
If you’ve been looking for a home for a while, you’ve probably put some thought into the option of building a new house or buying
Are you considering a land purchase to build on straight away or to hold for future plans? Or maybe you want to build an investment
Choosing whether to build from scratch or buy an existing home is a question that many Kiwis struggle with. The decision outcome is highly individual.
Buying a house off the plans that hasn’t been built yet can seem pretty scary. You’re usually signing up to a massive new-build loan for something
Understanding how lenders calculate your mortgage interest is the first step to finding ways to pay less interest over the life of your loan. To
Whether you’re applying for your first mortgage, restructuring an existing loan or refinancing to a new lender, it helps to understand why people choose different
There are two main types of mortgage insurance – mortgage repayment protection insurance and lenders’ mortgage insurance. The first is similar to the other types
Also known as a ‘variable mortgage’ or ‘floating home loan’, a floating rate mortgage has an interest rate that can increase or decrease at any
A fixed rate mortgage has an interest rate that doesn’t change over an agreed period of time – six months, or one, two, three, four
When you start planning to buy a home, there’s a lot of jargon to get your head around. But most of it is easily understood,
The question ‘how long should I fix my mortgage for’ has much in common with questions like ‘what are interest rates going to do?’, ‘how
When you have a mortgage ticking away with regular repayments happening automatically, it can be easy to simply let things continue as they are. But
An offset mortgage lets you use money in a separate account (savings or everyday) to effectively reduce the balance of your mortgage when it comes
When you’re borrowing to buy a home or an investment property there are several different types of mortgages to choose from. Once you understand how they
Once you have a mortgage, it’s a good idea to keep a regular eye on how it’s performing for you. You should revisit things every
As its name suggests, an interest-only mortgage means your regular weekly, fortnightly or monthly repayments only include the interest charged. So you don’t repay any
A revolving credit mortgage is like an all-in-one bank account with a large overdraft facility. It lets you draw down a loan, put money in
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