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We hear this debated on social media all the time – people saying go directly to the bank for a home loan while others say you should use a mortgage...
What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a low...
One of the key roles for a good mortgage adviser is to provide people on what makes a good home loan. There are other things that advisers do like arranging...
As a mortgage adviser, and from our Facebook Group I hear from lots of first home buyers asking “does a student loan affect getting a mortgage” and if they can....
Unfortunately hearing the bank say “NO” to a mortgage application is becoming more common these days, particularly for First Home Buyers and Self Employed borrowers. They can decline your application...
So you might be wondered can a single woman buy a home by herself these days. As a mortgage adviser I’ve had many single woman looking to buy a first...
As a mortgage adviser I get to see a lot of people in varying situations that want to get their first home, and with that I have created a list...
Often people think that there must be something wrong when you use non-bank mortgages; however there are a lot of people that know the advantages and therefore may select a...
It’s a fact, more Kiwis are using the First Home Loans option to get into a home. It’s been reported that in the past year there has been a big...
One of the key roles for any mortgage adviser is to source and give you advice on the best mortgage option. Other key roles include getting the mortgage approved, and...
New Zealand has a large number of self employed people and small business owners whom find it difficult to meet the banks criteria when it comes to proving income. That’s...
We cannot dwell on the past, but unfortunately the banks often do and penalise us for years after we have had something go wrong. A default will stick on our...
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