[Client Name] Thoughts

In this blog I share my opinion on the state of the market, trends and tips you can use to improve your property investing.

Banking
Getting a pre-approval

Getting a pre-approval

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...

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How to save for a first home deposit

How to save for a first home deposit

So you’ve decided to finally take the plunge and start saving for a deposit to buy your first home? Here’s a few handy tips to get you started. Saved for a holiday before? Or a car? What about TV or computer? The good news is that saving for a house deposit isn’t too...

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Is your coffee habit adding years to your mortgage pain?

Is your coffee habit adding years to your mortgage pain?

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...

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Secrets to Successful Refinancing

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...

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5 Steps for a Mid-Year 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...

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To consolidate or not to consolidate?

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...

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Reserve bank’s announcement 19/07/2016

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...

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