About Jo Kneale
Buying a house in New Zealand is a major investment. Many home buyers find it can be an even more expensive process than it needs to be because they make some common and costly mistakes. These mistakes may trap them into either paying too much for the home they want, losing their dream home to another buyer, or they could even end up buying the wrong home for their needs.
A methodical approach to the home buying process can help you steer clear of these common mistakes and will allow you to cut costs and buy a home that's best suited to you.
First home buyers
First home buyers are my favourite clients; it is rewarding to help them achieve a good result on what will be one of the most important financial decisions they can make. I make sure they understand the whole home loan process and work as their advocate throughout the process.
Home loans for the family house
Families are so important. As the mother of four children ranging in ages from 21 years down to 6 years, I am aware of the stress of fitting in time to assess things such as finances. I make it a priority to ‘fit’ in with your schedule and find a home loan that will ensure that financing your house at least is as stress-free as possible.
Single young professionals
With busy lives and burgeoning careers, single young professionals are often time-poor and don’t have a great deal of time to research nor fill in all the paperwork that goes with taking out a mortgage. Securing home finance can be a daunting experience so I will ensure the process goes smoothly and that your free time is not all used in the search for the right home loan.
Residential investment loans
I am practised at working with the client and relevant professionals to find the right loan structure to make the most of investment property purchases. Whether this is through the use of a Loss Attributing Qualifying Company (LACQ), Trust or just purchasing as an individual, I have helped many people to improve their prospects of a tax refund and achieve useful income and profits from their investments.
If you need assessment of your current investment finance or would like assistance getting it right the first time, I will work with your accountant or financial planner to make sure you achieve the best outcome for your circumstances.
My professional mortgage broking service
- Referrals account for 95% of my business, due to the trust and rapport I have built during previous business relationships
- I have extensive mortgage and financial experience stretching over more than 27 years
- My commitment to working with individuals to achieve their goals is unwavering
- I have owned property in the Auckland area since I was 18 years old and therefore am very familiar with the local housing market
Business community involvement
I have long-lasting relationships with a group of professionals including solicitors, real estate agents and valuers, who all provide an excellent level of service to my clients.
I offer a fully mobile, professional mortgage broking service to customers in and around the following areas: Mt Eden, Posonby, Grey Lynn, Mt Albert, Sandringham, Avondale, Epson, Western Springs, Pt Chevalier and Westmere.
Return of LVR restrictions: What it means for first home buyers and investors
The much-anticipated return of loan-to-value (LVR) restrictions kicks in from 1 March. The Reserve Bank removed the restrictions at the start of the Covid pandemic. At the time, the Bank wanted to promote cash flow and increase economic confidence. However, the economy has bounced back stronger than expected. And record house prices plus intense activity from investors have led to their reintroduction. So, what does it mean for first home buyers and investors? Here, we provide an overview of the main implications.
Changes to tenancy laws: What you need to know
The biggest reform of tenancy laws in New Zealand came into effect on 11 February. The government aims to provide a better balance between the rights of tenants and the interests of landlords. Here’s a quick guide to the main changes and what they mean in practice.
Bank of Mum & Dad: Pros and Cons of helping kids purchase their first home
A combination of low-interest rates and soaring house prices have seen many young Kiwis struggle to get on the property ladder. It’s no surprise that more and more are turning to the bank of mum and dad for help with the deposit.