2024-02-28 03:42
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
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Stuart Wills Blog
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This website has been created by Stuart Wills to share idea's and thoughts on his business as a New Zealand mortgage broker and share parts of his life too.
2024-02-27 10:00
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
2024-02-23 00:27
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
2024-01-11 08:20
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
2023-12-12 21:10
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
2023-11-27 20:42
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
2023-11-20 08:22
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
2023-11-14 09:13
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
2023-11-06 07:53
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
2023-10-24 08:51
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
2023-10-23 21:54
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
2023-10-11 07:32
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
2023-09-11 10:49
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
2023-08-17 05:24
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
2023-08-09 09:32
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
2023-08-07 11:23
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
2023-08-02 10:50
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
2023-07-23 23:46
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
2023-07-08 10:41
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&hell…Read More
2023-07-05 09:42
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
2023-06-13 09:39
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
2023-05-29 21:29
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
2023-05-24 11:11
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
2023-05-15 09:43
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
2023-03-23 09:31
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
2023-03-15 09:04
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
2023-03-13 09:17
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
2023-03-08 10:29
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
2023-02-11 23:48
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
2023-01-01 21:48
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
2022-12-31 02:42
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
2022-12-28 03:40
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
2022-12-19 09:55
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
2022-12-12 08:57
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
2022-12-01 20:31
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
2022-11-14 09:35
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
2022-11-09 20:06
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
2022-11-05 19:55
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
2022-11-05 17:58
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
2022-10-31 09:20
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
2022-10-27 09:27
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
2022-10-19 21:11
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
2022-07-18 09:36
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
2022-06-29 11:04
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
2022-06-27 10:41
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
2022-06-22 09:32
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
2022-06-21 21:11
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
2022-06-20 09:17
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
2022-06-17 22:19
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
2022-05-30 10:28
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
2022-04-26 10:44
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
2022-04-21 02:48
Test
The post Test appeared first on Mortgage Managers.
Source: North West Mortgages
The post Test appeared first on Stuart Wills Blog Read More
2022-02-26 21:36
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
2022-02-10 22:22
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
2021-09-14 04:45
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
2021-08-12 11:08
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
2021-07-23 04:10
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
2021-07-03 22:44
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
2021-05-25 10:57
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
2021-05-20 10:14
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
2021-05-17 21:13
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
2021-05-05 10:29
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
![Earn Money Writing Reviews On Apps ] Write App Reviews](https://cdn.blogarama.com/images/posts_thumbs_site_id/3304/330418-331913464.w320.jpg "Earn Money Writing Reviews On Apps ] Write App Reviews")
2021-05-04 10:55
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
2021-04-20 09:47
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
2021-03-21 08:24
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
2021-03-08 09:19
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
2021-03-02 01:31
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
2021-02-28 02:09
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
2021-02-18 20:15
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
2021-02-18 09:31
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
2021-02-18 09:31
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
2021-02-16 10:11
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
2021-02-10 05:52
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
2021-01-28 05:34
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
2021-01-06 22:30
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
2021-01-06 22:30
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
2020-11-05 09:23
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
2020-10-25 23:54
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
2020-10-15 09:32
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
2020-09-07 08:54
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
2020-08-24 10:17
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
2020-07-29 14:12
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
2020-07-28 09:24
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
2020-07-15 21:37
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
2020-07-15 10:20
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
2020-06-11 20:29
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
2020-05-08 10:15
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
2020-05-03 00:55
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
2020-04-30 08:40
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
2020-04-20 23:03
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
2020-04-17 02:02
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
2020-04-08 21:21
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
2020-03-30 04:42
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
2020-03-29 20:19
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
2020-03-24 21:41
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
2020-03-24 09:21
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
2020-03-24 00:47
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
2020-03-03 08:34
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
2020-02-23 20:43
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
2020-02-17 08:54
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
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