In this blog I share my opinion on the state of the market, trends and tips you can use to improve your property investing.
Effective budgeting is essential for individuals and businesses alike to maintain financial stability and achieve their financial goals. With the advancements in technology, several digital tools have emerged to help streamline the budgeting process. In New Zealand,...
$1,000 1/3 of working-age Kiwis have less than $1,000 saved. (Stuff + Westpac survey) 51% 51% of students report little or no financial education at school. (NZ Government school financial capability study). Budgeting Students' most requested area for more...
Lenders are in love with borrowers who show good financial habits, particularly now in a shakier-than-usual economy. Good habits are gold. And it’s never too late to start, even if business is down, your hours have been cut back, or you’re receiving government...
Are you considering purchasing a property with a deadline sale (tender, deadline, auction)? If so, it’s important to get your loan pre-approved ahead of time, so you can offer with confidence. This is where Bricks & Mortgages comes in. They’ve been helping Kiwi's for...
Saying no to family is always difficult. But if a family member or friend asks you to become a loan guarantor, it always pays to think carefully before signing on the dotted line. Being a co-borrower or guarantor on a loan certainly has its benefits. For example, by...
Everyone dreams of investing in a home or business that will fetch them more money than they originally bought it for. Here’s how to roll-up your sleeves and get started.
Saving a home loan deposit can be challenging enough. Then, lenders often will put another hurdle in your way by asking for proof of ‘genuine savings’. Here's all you need to know about clearing that obstacle. Lenders use the term 'genuine savings' to describe any...
We Kiwi's are no strangers to a heated debate. And that extends to the shares vs property discussion. You’ve probably seen it unfold at the family BBQ before. Uncle Mick will swear black and blue that property is the only way to go, as he bought his $1 million...
Is your coffee habit adding years to your mortgage pain? It’s smooth, it’s delectable, and it might just be adding years to your mortgage. The culprit? Your daily cup of joe. A morning coffee has long been a ritual for many Kiwi’s – a ritual that used to take place...
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...
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...