HIBISCUS COAST - BLOG

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    Official Cash Rate reduced to 1.5 percent

    ​The Official Cash Rate (OCR) has been reduced to 1.5 percent.

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    The Official Cash Rate Explained

    The Reserve Bank of NZ (RBNZ) is our central bank. It makes the call on whether interest rates move up or down. These movements greatly influence our economy and control inflation, which is very important.

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    IAG pulls out of Wellington home insurance

    Living in Wellington means you will most likely be exposed to earthquakes, storms, flooding, landslides or even a tsunami at one stage or another. IAG, NZ’s largest general insurer (which includes brands like AMI, State, NZI, Lumley and Lantern Insurance), has said that’s why they won’t be insuri...

  4. Tile au   nz   story 1   2   6 things to consider when applying for a loan

    Could payWave ruin your home ownership dreams?

    Times have changed when it comes to applying for a loan. It’s tough to secure a mortgage and there are a lot of changes going on with the legal bodies that keep a close watch over the finance and banking industry including the revision of the Financial Advisers Act in New Zealand and the Royal Co...

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    LVR restrictions are changing

    The new loan to value ratio (LVR) restrictions are the talk of the town this week with the Reserve Bank of New Zealand (RBNZ) making the call to change restrictions in January next year in an attempt to cool the housing market.

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    Best rates since WWII!

    Back when rubber shortages meant dairy farmers had to prove they had at least 12 cows to qualify for gumboots and rationing saw New Zealanders shrinking their meals, mortgage rates were low. Pretty much, where they are today - seventy years on.

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    FREE First Home Buyers Information Evening

    Buying your first home can be daunting and we know all the information out there can be really confusing. We have partnered with Ray White Manly to cover everything you need to know so you can get into your first home sooner.

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    Yes, our housing market’s slowing, but so is everyone else’s

    ​Our housing market has become less road runner and more sloth. And we’re not the only country seeing a slowdown.

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    Interest rate 101

    ​What’s a central bank? This is a country's primary monetary authority and it decides on the interest rate. Ours is called the Reserve Bank of New Zealand, known as the RBNZ.

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    New offer for your clients. Overseas money transfer service.

    Let's face it, transferring money in another currency is a pain and something that most of us have no idea about. That is why Loan Market has partnered with not just any old international transfer service, but one that is used by more than 300+ million people a year.

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    Affordable housing?

    Companies like Solution Street are popping up all around and are constructing prefabricated homes. The 70m2 two-bedroom apartments are being sold from $519K in a market where the average house price is $860,000.

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    Q and A: Your big questions answered.

    There’s a lot to know about loans, especially if you’re taking one out for the first time. So let’s knock over some of the common ones, and hope they’re some of yours.

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    There is a way you can get a loan for an investment with only 20% deposit.

    If you’re thinking about investing, the deposit amount you need to have may be causing your anxiety levels to rise. But don’t worry, there is light at the end of the tunnel.