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Buying a home? Start here.

Getting the right home loan and structure in place is what we live and breathe. We also guide you through the buying process, and pick up the phone to the right professionals to keep things moving. Our latest guides and market updates are below.

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● Buying a home articles

Guides for your next move

Costs, timing, trading up and what the Auckland market is doing, from Hamish and the team.

Buying a Home

29 Jan 2019

Why do people use us?

Navigate the options A lot of our value is in helping you find out what the options actually are. With more than a few banks out there you can be swamped for choices, we can suggest the best ones. While you are working through a purchase, the best fit at the start may not be

Hamish Patel

Founder & Financial Adviser

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Buying a Home

11 Feb 2019

Gifting a deposit

Gifting a deposit for a home can seem simple enough but you need to consider the following: 1.Are there other siblings to think about? 2.An alternative to gifting can be a loan, how does this affect future claims by a spouse? Bryan Ivamy, general manager of NZ Trustee Services was kind enough to share his

Hamish Patel

Founder & Financial Adviser

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Buying a Home, Investment Property

28 Nov 2018

Deposit rules change

The RBNZ has changed the deposit rules. Bank can now allow more low deposit home buyers to borrow. Home Buyers After the 1st of January the banks can lend to two out ten buyers with less than a twenty percent deposit. Twenty five percent more than the current rule of 1.5 out of ten. The

Hamish Patel

Founder & Financial Adviser

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Buying a Home

31 Jul 2018

1st Home Buyers borrow half a billion more

First home buyers are getting into the market in force borrowing around $644 million more than the previous 12 months (to June). Thats a jump of 7%. This could be due to multiple factors such as the RBNZ slight loosening at the start of the year for low deposit borrowers. A trend towards sale by

Hamish Patel

Founder & Financial Adviser

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Buying a Home

30 May 2018

Lending up for first home buyers?

Lending tracking up for first home buyers? Well moderately over the past four years. The investor market has probably had the biggest impact in terms of house prices. Whats next? The past two years would suggest that there has been some stabilization in activity. Some of the drivers has included migrants how is that going?

Hamish Patel

Founder & Financial Adviser

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Buying a Home, Investment Property

28 Apr 2018

Investing in property to retire

Opes Partners share some of their thoughts on property investing for retirement. For an Auckland home owner with a $1,000,000 home and a $500,000 mortgage, three homes bought at the right time could lead to around a $1,500 pw week income in retirement. Watch the clip to find out the thinking.

Hamish Patel

Founder & Financial Adviser

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Buying a Home

28 Apr 2018

Types of cladding

Brick homes are a bit more expensive but very low maintenance costs make it appealing. Weatherboard or wood has a nice look. Maintenance costs are a little higher due to having to paint every 8 to 10 years. Plaster homes built between in 1990 and 2004 can have issues. Basically the issues were mainly due

Hamish Patel

Founder & Financial Adviser

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Buying a Home, Youtubeclips

28 Mar 2018

What is a cross lease?

Cross Lease on freehold land is a form of property ownership and is still a great way to own a home. Max Gunawan explains some of the difference between cross lease and freehold below. Cross-leases first became popular in the 1960s as an easier way to subdivide. There are still 215,000 cross-leases in New Zealand

Hamish Patel

Founder & Financial Adviser

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Buying a Home

15 Dec 2017

Tips for first home buyers

Buying your first home can seem scary but there is a lot of good information around. I was lucky enough to have some of my clients share their experience with buying their first home. Some of the better tips which came out of the live session Auctions – its a good idea to have a

Hamish Patel

Founder & Financial Adviser

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Buying a Home, Investment Property

15 Dec 2017

Market Ahead

Its been a patchy year, in Auckland. Auckland flat and rest of Auckland still moving upward at a little over 8% in terms of the median house (REINZ). The drivers behind the housing market is still putting in some pressure in the market even with a 40% deposit requirement for investors. Nett migration for the

Hamish Patel

Founder & Financial Adviser

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● How we help

More than just a home loan

Buying your first home? See our first home buyers guide.

Know your budget

We compare lenders and get you pre-approved, so you can make offers and bid at auction with confidence.

A structure that saves

Splitting fixed terms with a floating or offset portion gives you certainty now and room to pay it down faster.

Buying and selling

Moving house? We plan the timing and any bridging finance between buying your new place and selling your old one.

We keep it moving

We work with your lawyer, valuer and insurer, and pick up the phone so nothing holds up settlement.

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