Low Deposit Options For Your First Home What low deposit options are there? Most first home buyers do not have a 20% deposit and so ask if it’s worth making the effort to buy with a l… Read More

The Experts At Home Loans For Nurses Nurses and people that work in the medical industry often struggle to get home loans (mortgages) with banks. It’s not because they don’t de… Read More

Digital Creators Now Recognised By Banks! Over recent years, and especially since COVID more and more people are making money online and this includes those people that are full time and th… Read More

Buying Your First Home in 2024 Buying your first home in 2024: Is it Worth the effort or should you wait? Is it worth making the effort to buy in 2024, or should you wait and save until you… Read More

Key Trends As We Get Towards The End Of 2023 It’s always interesting when we reflect on the past year and often I will start by looking back at what I might have predicted back at the… Read More

Buying A Home With Friends or Family In many countries it’s common to see people buying a home with friends or family and it’s starting to become more common in New Zealand now… Read More

What Makes A Good Home Loan? One of the key roles for a good mortgage adviser is to provide people on what makes a good home loan. There are other things that advisers do like arranging the… Read More

Does A Student Loan Affect Getting A Mortgage As mortgage advisers, and from our Facebook Group we hear from lots of first home buyers asking “does a student loan affect getting a mor… Read More

Are You Disappointed With Your Kiwisaver Kiwis can be too complacent and not always focus on the important things with their finances, like KiwiSaver. The majority of people have their Kiwi… Read More

Can You Get A Mortgage While On Maternity Leave As mortgage advisers we get asked “can you get a mortgage while on maternity leave” and we’re always pleased to be able to… Read More

Discussing First Home Partner on Radio NZ Today I was invited to discuss what has happened to First Home Partner on Radio New Zealand’s Nine to Noon. We discussed what First Home Part… Read More

Advantages Of Having A Westpac Mortgage Manager Banks have moved away from providing mortgage managers, but you can still have an adviser that works as a Westpac mortgage manager for you. T… Read More

4-Steps For First Home Partner First home buyers are seeing Kainga Ora’s First Home Partner as a good way to get into a first home, but we’re hearing many people that find the p… Read More

Buy An Existing Home With First Home Partner You may have heard that Kianga Ora has expanded the shared ownership scheme (First Home Partner) to now allow eligible people to buy existing ho… Read More

Are You Feeling Poorer? A lot of Kiwis are saying that they are feeling poorer as inflation bites, and the fact is we have had our purchasing power reduced – quite significantly too!… Read More

How Shared Home Ownership Works Shared home ownership has become more popular in New Zealand but there is still a lot of people that have not considered it as an option for them, and maybe… Read More

An Adviser Can Help You Manage Your Home Loans Often people think that a mortgage adviser just helps you get a home loan, but they can help you manage your home loans too. People that have… Read More

Westpac Offers Greater Choices Now Westpac are offering a “Greater Choices” home loan that allows you to borrow up to $50,000 interest free for five years to help you create a w… Read More

A New Option Of Shared Home Ownership We’re about to announce a new option of shared home ownership, and it may suit people that like the concept but are not eligible for Kainga Ora&r… Read More

Why You Should Review Your KiwiSaver Today Kiwis can be too complacent and not always focus on the important things with their finances, like KiwiSaver. The majority of people have their Ki… Read More

When Should I Refinance My HSBC Mortgage? Today HSBC says it has stopped accepting any new retail banking customers in New Zealand and will be telling existing customers to start engaging w… Read More

Learn How We Prepare A Mortgage Application As a mortgage adviser I’ve been asked a lot of questions over the years, but two that often pop up are: Why should I use a mortgage adviser… Read More

Is The Window Closing? Are you an aspiring first home buyer or potential property investor and wondering when is the right time to buy? If you are then you are not alone – as mortgage… Read More

Before You Refix Your ANZ Mortgage As mortgage advisers we have helped people refix their mortgages over the years, ands it does not matter if that mortgage was arranged directly with the b… Read More

Small Business Finance Made Easy Why do the main banks make small business finance so hard? Businesses of all sizes big and small need access to finance at times and unfortunately in New Ze… Read More

What Is The Best Mortgage Type To Have One of the key roles for a mortgage adviser is to provide people on what is the best mortgage type to have. Of course the other key roles include arra… Read More

When Your First Home Loan Is Out Of Reach When we started the Kiwi First Home Buyers Group over 10-years ago house prices were lower and the group was smaller. Over the preceding years the… Read More

Tyler Didn’t Think He Had A Chance! When we started the Kiwi First Home Buyers Group over 10-years ago the aim was to help answer questions that first home buyers have, and over those… Read More

What Is A Revolving Credit Mortgage? A revolving credit mortgage works like a large overdraft or credit card, and mortgage advisers will often use a revolving credit as part of the overall… Read More

Don’t Get Caught Short With House Insurance Cover Over recent times we have seen huge increases in building costs, and yet we hear that most Kiwi’s have left their house insuran… Read More

There Are Options For Low Deposit Home Loans You might speak to your bank about low deposit home loans and find they cannot help, but that does not mean there are not options available to y… Read More

First Home Partner: Kāinga Ora Shared Home Ownership Scheme First Home Partner is a shared home ownership scheme administered by Kāinga Ora (previously Housing New Zealand), as an… Read More

Setting The Scene – My Opinions On Finances In 2023 Plenty of people have opinions on what has happened in 2022, but few (if any) are prepared to offer any predictions for what might… Read More

With Christmas It’s Time To Reflect On The Year As the year comes to an end it’s a good time to take a breath and some time to reflect on the good and bad of the year, and look… Read More

Why Are Higher Interest Rates Necessary? Today the Monetary Policy Committee increased the Official Cash Rate (OCR) by 75 basis points from 3.5 percent to 4.25 percent which lifts the OCR t… Read More

Blink Affordable Home Security Systems Blink helps bring you affordable home security that’s innovative, and easy-to-use. They are smart home security devices using video cameras link… Read More

How Far Away Is Open Banking In New Zealand With the banks recently announcing more record profits there has been more talk of seeing open banking in New Zealand, but how this has been spok… Read More

If you’ve been looking for a way to create ongoing income streams and GET PAID to build your own business (yes, you’ll actually get paid to do everything) and avoid all the stres… Read More

Soft Property Markets Offer Opportunities For Buyers It’s always interesting that in soft property markets people tend to hold off buying, and yet when the market is running hot they… Read More

Bank Assessments Can Be Hard On Property Investors As mortgage advisers we are often contacted by property investors who struggle to understand how the banks assess their loan applications… Read More

As mortgage brokers we have always helped people with personal loans, but recently we decided that we needed to get a smarter option and after much research we decided on a model which we si… Read More

Six Things To Combat High Home Loans Interest Rates Yes, we have high home loan interest rates and we could have these for a few years. We have had high home loan interest rates before, bu… Read More

Are You Sitting On The Fence Still? Too often Kiwis will accept poor performance and just go with the flow. But we shouldn’t really do that. The KiwiSaver providers that have had poor… Read More

Best Personal Loans For Debt Consolidation Not all personal loans are created the same, some are very expensive so while they may give you a “fast approval” they are not the best… Read More

Ten Tips For First Home Buyers Using Their KiwiSaver It’s hard for first home buyers these days and so we have put together some tips for first home buyers using their KiwiSaver in an… Read More

When Should I Switch My KiwiSaver? When I was not happy with my KiwiSaver fund manager and the way it was invested in then I knew I could switch my KiwiSaver … and I did. It’s e… Read More

How Well Is Your KiwiSaver Really Performing For You? Like any investment it is important to take some time and review how your Kiwisaver is performing for you, and that includes how it is s… Read More

About Matariki – The Māori New Year According to the Maramataka the reappearance of Matariki brings the old lunar year to a close and marks the beginning of the new year… Read More

Is Your KiwiSaver Dropping, Or Are You Protected? With the sharemarkets around the World in turmoil many people are concerned as they see their KiwiSaver balances dropping, but some are feel… Read More

Where do you go if you want to find unbiased power tool reviews? If you plan to buy some power tools then you will want to read some reviews, but you also want to know that the reviews are n… Read More

Why Inflation Must Be Controlled In 2022 You will have heard media and our Reserve Bank talk about inflation and how inflation must be controlled in 2022. Inflation has hit a 30-year high an… Read More

Test The post Test appeared first on Mortgage Managers. Source: North West Mortgages The post Test appeared first on Stuart Wills Blog Read More

Why You Should Refix Your Home Loan With An Adviser The banks now make it easy to refix your home loan with the click of a button, but should you use this method? We say NO, and here’s… Read More

Are Your Bank Statements Ready For A Mortgage Approval There has been a lot of media coverage recently on how the banks are now looking at spending and bank statements in more detail when as… Read More

This sounds too good to be true, but the people promoting App’s need reviews and are willing to pay people to write App reviews and therefore you can make money testing Apps. It’… Read More

When I first started mortgage broking back in 1997 (yes, over 20-years ago) I enjoyed the way that I could help people. In those days it was about identifying an issue and trying to find a w… Read More

Learn Why Loads Of Kiwi’s Are Refinancing Their Home Loans You may have heard of friends refinancing their home loans and wondered why they were doing this. It seems like a hassle, and… Read More

Is Splitting Lending Across Banks A Good Idea? You might be thinking of splitting lending across banks, but the bank doesn’t want you to do this. The bank will try whatever they can to… Read More

If you run a small business, you probably want to get your business and yourself on social media. Like many small businesses doing social media posts and making sure that they are regular is… Read More

What is OpticorOne lead generation package? This is a great tool for those people wanting to start online marketing and needing to build a list. It cuts out the marketing and waiting for pro… Read More

Does Your Mortgage Strategy Protect Against Higher Home Loan Rates? We are seeing many financial commentators now starting to talk about inflation and therefore interest rate increases, whic… Read More

You hear so much about crypto currencies these days, so I decided I needed to learn about crypto and earn some extra money by trading or investing. I would say that as a mortgage adviser I h… Read More

This sounds too good to be true, but the people promoting App’s need reviews and are willing to pay people to write App reviews. Of course they will want good reviews, but that is up t… Read More

Linda Saves Over ,500 By Getting A Mortgage Adviser Review Of Her Loan If you ever wondered why it’s a good idea to have a mortgage adviser refix your loans then just ask Linda. Linda… Read More

Yes, an easy side hustle can supplement your income. The extra income will help you in these uncertain times. Get started now and build up a bit of extra income. It’s all about having… Read More

Yes, a side hustle offers freedom for many Kiwi families. The extra income will help you survive and even thrive in these uncertain times. Get started now and build up an extra income that c… Read More

Local business is very good business! Getting people in your local area to know about your business is the first step in getting more local business. Of course we all want to be doing more b… Read More

So we are two months into the new year (2021) and we should be taking advantage of our ability to live a “normal life” after the year which saw COVID change the world as we knew… Read More

Mortgage Advisers … Your Personal Shoppers For A Home Loan Why are Kiwi’s turning to mortgage advisers instead of going directly to the bank? It’s really quite simple. A g… Read More

Get Business Finance That Will Work To Fund Growth in 2021 When we heard from Grant about his experience with his bank we were not surprised! As a small West Auckland business owner Grant ha… Read More

When we heard from Grant about his experience with his bank we were not surprised! As a small West Auckland business owner Grant had the option to take on a larger contract, but that meant t… Read More

There has never been a better time to start a side hustle! Any extra income will help you survive the uncertain times that we have seen since COVID arrived. Get started now and build up an e… Read More

People have asked why I joined OnPassive as this can help explain why they should consider joining too. The first question should not be about a specific business model, but you should think… Read More

During 2020 as the World was dealing with COVID, some companies which operated in the online space were seeing profits sky rocketing. One of the most well known of these companies was Amazon… Read More

Often people get all excited about finding a new home; however it’s always best to slow down a bit and get some good mortgage advice before you start looking. For most of us our mortga… Read More

Get Mortgage Advice Before You Start Looking At Properties It’s easy to get excited about finding your new home; however it’s always best to slow down a bit and get mortgage advi… Read More

First Home Buyers With Low Deposits Consider The Co-Ownership Concept A lot of Kiwis have not heard of the co ownership concept with property, but it’s quite common in other places and… Read More

Property Investors Know It’s A Good Time To Restructure Lending Property investors know it’s a good time to restructure lending, and if they don’t know then they should ser… Read More

Don’t Let The Banks Link Your Properties When you own more than one property the bank will want to link your properties, and while it is the easy option it is not the best option. You… Read More

Top Auckland Mortgage Brokers Look At What Is Important Today Some of the top Auckland mortgage brokers are starting to look at what will be perceived as the most important things in the pos… Read More

How Low Will Mortgage Rates Go In 2020? As mortgage advisers one of the most common questions that we are asked is “how low will mortgage rates go?” Whether you are just getting… Read More

What First Home Buyers Need To Think About Before Applying For A Loan Buying your first home is not easy and there is plenty to think about both before and after you apply for a home loan or… Read More

Tip’s For Shopping For The Best Mortgage Rates When you find a house you want to buy, or when you are refinancing your mortgage your impulse may be to move quickly to lock in a mortgag… Read More

Sovereign Home Loans Provide Better Home Loan Rates Most major banks have a “standard interest rate” and a “special interest rate” with the special home loan rates on… Read More

Six Good Ways That Help Kiwis Save More For Your Deposit Save more for your deposit … yes, that is what you may have been told. But as we know saving a deposit for your first home is… Read More

A Fast Home Loan Pre Approval Might Not Be Best Everyone wants a fast home loan pre approval, but that doesn’t mean that you are getting the best home loan,and often it can mean the op… Read More

Co-Ownership Helps First Home Owners Get A Foot On The Property Ladder First home buyers have struggled for years to get onto the property ladder, but now with co-ownership there is another… Read More

How To Save ,000 When You Refix A Home Loan Today we arranged to refix a home loan and managed to also show Stephanie how she could save $50,000 How Simple Is This… Stephanie had a ho… Read More

Some Relief Ahead With LVR Restrictions Removed So many people will ask what ot means to have the LVR restrictions removed…  and given the current economic environment it’s… Read More

Are The LVR Restrictions About To Be Removed? Today it has been reported that the Reserve Bank is proposing the removal of mortgage loan-to-value ratio or LVR restrictions. The proposal is i… Read More

Lenders Main Focus Now Is Your Income The banks and lenders are concerned about stability or employment and income with impacts from COVID-19 and now lenders main focus is income and stabili… Read More

Are You Planning To Sell A Property Soon? We know that some people will be planning to sell a property soon, and unfortunately some people may be forced to sell. The problem with the market… Read More

Mortgage Holidays: Questions You NEED To Ask Your Bank It’s great that the banks are offering some options to people with mortgages, but some of the important detail within the COVID-1… Read More

Three Good Alternatives To Taking A Mortgage Holiday For most people there are good alternatives to taking a mortgage holiday. A mortgage holiday eases the immediate financial burden of havi… Read More

Updates On Mortgage Holidays We have created this post to provide you the latest information and updates on mortgage holidays announced by the Government. They have said “the package… Read More

Understanding How Mortgage Holidays Work In times of crisis a mortgage holiday seems like a great idea. The Government have announced that the banks will be offering a 6-month mortgage holid… Read More

Managing Your Home Loan Through COVID-19 Lock-Down With COVID-19 we are living in times that are nothing like “normal” and we are all having to adapt. One of the largest concerns… Read More

Get Your Indoor Kitchen Composter So we want to all do our bit to reduce waste and look after our environment, so why don’t we all get an indoor kitchen composter. Your indoor kitchen… Read More

ANZ Now Allow Low Equity Premiums To Be Added To Loans While most banks apply a low equity margin to home loans where the deposits are less than 20%, ANZ has charged low equity premiums whic… Read More

Auckland Mortgage Broker Suggests Ten Tips For First Home Buyers Stuart Wills, Auckland Mortgage Broker My name is Stuart Wills and as an Auckland mortgage broker I’ve seen first hand… Read More