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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 with thousands of components that doesn’t even exist yet. How do you know what the finished home will be worth and whether you’ll end up getting what
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 a new-build property. Committing a whole heap of money to something that doesn’t exist yet is a big step, but the rewards can be big
Buying your first home has become more and more challenging, particularly for Kiwis who may not have the option of significant financial support from family.
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.
Bridging finance can help when buying or building a new house before selling your old one. In other words bridging finance lets you get from
Buying your first home has become more and more challenging, particularly for Kiwis who may not have the option of significant financial support from family.
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.
Bridging finance can help when buying or building a new house before selling your old one. In other words bridging finance lets you get from
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
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
With so many mortgage lenders, interest rates and terms to choose from, finding the best solution for your circumstances can be hard work. Whether you’re
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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