When fixing long is the simplest and best way forward.
Lets explore the wisdom of considering fixing your home loan for the longer term. A three to five-year fixed rate can be a big commitment.
House prices and lending
Recent stats may suggest house prices reaching a floor but can we expect an enthusiastic upswing? Nostalgia from past housing cycles may give a sense
Insurance rewards for staying fit
As insurance companies innovate and try to win over more clients, we have seen the advent of tracking type cover. As intrusive as it sounds,
Making the best use of your money
Opportunities exist to use your spare change wisely when you have a home loan. Banks make money by lending deposits to borrowers you can short
Getting ahead of the waiting list on the public health system
Waiting for years to get treatment for a non acute illness is a reality for some families. Having private medical cover ensures that should the
Postive horizon for property but limited for some
The Reserve Bank of New Zealand sends positive signals for interest rates, stating OCR at peak. Closely followed this with cementing expected changes to loosening
Building the right number of properties with confidence
With many of our main centers changing quickly, how would you go about building? There are many ways to approach the build and some safer
Interest rates up… wait down…I need a break
The central bank ups the rate again and again some of the interest rates drop at the retail banks. Why? Less pressure on wholesale rates,
New rules coming in from RBNZ, the famous DTI
The Debt to income ratio which will be bought into the RBNZ’s macroprudential rules is set to change the landscape somewhat. How will it affect
The safest way to protect your ability to keep up
Mortgage repayment cover can help if you are unable to work. In general terms if you are not able to work for more than ten
Unlocking Land Opportunities: Moving the Existing House Instead of Demolishing
Hamish Firth specializes in exploring development opportunities for clients and approving plans to make them a reality, he was kind enough to share some thoughts.
Housing market slow down, slows down?
As we move into the new year, many are wondering what the housing market has in store for us in 2023. To get a clear