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Tips For Buying A House

Interest rates remain near historic lows, but that may start to change before long. Meanwhile, as the cost of rental homes pushes into the stratosphere, it’s worth considering whether it’s time to get into home ownership instead of renting. If you’re thinking of buying a house or refinancing your existing mortgage, these golden rules can…

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Top 7 Credit Card Mistakes

Credit cards can be great financial tools, but carry dangers. Debt is an obvious risk, but there are others too. If you have credit cards, you want to make sure you are using them to your benefit and avoiding risks. 1. Annual Fees There are times when getting a credit card with an annual fee makes…

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Finance growth and green line

Growth vs Yield

Think of yield as what you get paid regularly, and Growth as how much our property increases in value. Both are important if you want to succeed in the New Zealand property market. You need yield to repay the bank for your mortgage but yield won’t be a significant contributor to your retirement savings. For…

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Secrets to Successful Refinancing

Unsatisfied with your rates or seeking better customer service? You’re not alone. There are always plenty of borrowers looking for a better deal. But while it might look like a good idea on quick glance, refinancing has its hazards and needs to be considered carefully before going forward. Refinancing may be a necessary tool for…

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Refinancing Credit Cards – Using Home Equity?

So people think of mortgages as good debt and credit cards as bad debt, but is it really that simple? It usually isn’t. Sure the idea of paying off debt that may have interest rates as high as 30% sounds great in theory, but there are some pitfalls when adding that debt into your mortgage.…

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Mortgage Brokers

A good mortgage broker can be invaluable, however not all mortgage brokers necessarily specialise in the area you require, for example not all mortgage brokers will know enough about property investing to give good sound advice. Like finding the right property, finding a broker that meets your needs requires research. What is a mortgage broker?…

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Supermarket trolley filled with vegetables in aisle

Managing your food bill

Food can be one of the biggest areas of wastage in the typical house hold budget. A Myth is also that Nutritious wholesome food is unaffordable By putting some simple practices into your weekly plan you will see some massive shifts in your costs. 5 Simple practices  1 ) Plan ahead: Plan a weekly menu. …

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Drowning

Drowning in Debt?

For whatever reason has your money got out of control? Are you are working each week to pay the interest on your short term debts and do not seem to be getting on top of them or are living from pay to pay with nothing to spare? We are here to help. Financial lenders, Banks and…

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Talk finances before you tie the knot

It’s always fun to discuss the excitement of your wedding plans, but what about the not-so-fun topics? Among these are your personal finances and how you plan to handle money matters as a married couple. Before you take a vow to share the rest of your life with a significant other, you should have the money…

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ToBuyorNottoBuy

Tips for first home buyers

As a first home buyer, there’s lots of things that you need to keep in mind.  Here are 5 tips on making sure that you get into the right home for you and your budget, while making the best decision possible for your future! Know your budget Make sure you have a pre-approval or really…

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