About Gina Smith
With five years experience in the mortgage industry and seven years working in real estate my passion is people and property and I have a wealth of knowledge to help my clients achieve their financial goals.
I am here to help you through the home loan process and will go the extra mile to make sure you get the best possible outcome given your unique situation. I strive to ensure that you will benefit from the relationships I have with all of the banks and other lenders. The outcome for you being the best possible service and pricing available as well as cash contributions where possible.
As your adviser I will be available to you well past your first property purchase. My goal is to build long standing relationships with my on going service and communication.
Outside of work I thoroughly enjoy spending time with my teenage daughters and partner James. Starting my day with some early morning exercise is very important to me. I am also a keen gardener, love cooking and having the odd vino with family and friends.
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.