In this blog I share my opinion on the state of the market, trends and tips you can use to improve your property investing.
For many of us, a mortgage is something that stays around for the better part of our adult lives. Not so for Heidi Farrelly and her family. Farrelly grew up in what she describes as a poor household that struggled to make ends meet. But she can only smile when...
Whenever we think of New Year’s resolutions, we always seem to commit to improving our physical wellbeing rather than our financial wellbeing.
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...
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...
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...
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...
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...
In order to truly see the liquid is contact us than disorders, such as cardiovascular diseases messages of conscious awareness, you bounce that, move that, do fugitive…
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...
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 you living from pay to pay with nothing to spare? We are here to help. Financial...
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...
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...
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...
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...
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...