In short, pre-approvals are a good idea if you are serious about buying property. Here is why. Pre-approvals: give you confidence a lender is satisfied with your current situation to lend you the money you need. provide an understanding of how much you may be able to...
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Top Budgeting Tools for Efficient Financial Management
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,...
Renovating on a Budget
Renovating your home can be a great way to update its style, improve its functionality, and increase its value. However, it can also be a costly endeavor. If you're on a budget, there are still plenty of ways to give your home a fresh look without breaking the bank....
Refixing or Refinancing Your Mortgage
If you are a homeowner, you may be familiar with the process of refinancing or refixing your mortgage. Refinancing refers to taking out a new mortgage with a different lender to pay off your existing mortgage, while refixing means renegotiating the terms of your...
Common Mortgage Mistakes You Should Avoid
Buying a home is an exciting and emotional process. However, it can also be overwhelming, especially when it comes to the mortgage process. Even small mistakes can cost you thousands of dollars over the life of your loan. In this blog post, we will discuss some common...
Budget Tips
Budgeting is a vital aspect of managing your finances, as it helps you keep track of your income and expenses and ensures that you have enough money to cover your needs and wants. However, budgeting can be challenging, especially if you're on a tight budget. Here are...
Are Your Kids Great With Money?
$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...
How To Get Lenders To Fall In Love With You
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...
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...