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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Money Checkup

5 Steps for a Mid-Year Money Checkup

We’re halfway through the year. Are you halfway through your financial New Year’s resolutions? I thought I was, but after a quick check on my money I’ve been proved wrong. I’ve got some catching up to do before I can meet my financial goals by the end of the year. If you do too, we…

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Debt

To consolidate or not to consolidate?

Everyone knows that credit card debt is “bad” debt due to the high interest rates on most consumer credit cards. And also due to the fact that most items that relate to credit card or consumer debt depreciate or loose value very fast as opposed to your home mortgage which is for an asset that in most…

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Reserve bank’s announcement 19/07/2016

40 deposit restrictions for investors & further restrictions for first home buyers proposed by RBNZ The proposed changes announced on Tuesday has said no more than 5 percent of bank lending to residential property investors across New Zealand would be permitted with an LVR of greater than 60 percent. This will not only affect investment…

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