JOHN SCHUMACHER BLOG

As home finance experts, we love keeping Kiwis like you up to speed on finance news, home advice and tips to grow your wealth.

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    Is it a bird? Is it a plane? No it's a pre-approval!

    ​Your x-ray vision has showed you some properties you’d like to buy. And you’re ready to move faster than the speed of light. But, even your sharp senses aren’t telling you just how much you can borrow… And, uncertainty and lack of confidence are a buyer’s kryptonite! Enter your super power in th...

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    First home buyers continue to make inroads

    The market continues to breathe a sigh of relief as the prospect of capital gains tax fades into the rearview mirror, while first home buyers put their best foot forward taking full advantage of a loosening in LVR regulations and low interest rates.

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    The market recovers a little as fear of capital gains tax subsides

    The market continues to breathe a sigh of relief as the prospect of capital gains tax fades into the rearview mirror, while first home buyers put their best foot forward taking full advantage of a loosening in LVR regulations and low interest rates.

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    5 advantages of referral partners

    One sure-fire way to grow your business is to find referral partners. Here are some of the advantages…

  5. Tile story1  removing the groan from your loan

    Speed up your loan payments and save $$$

    Sometimes the tectonic weight of a home loan exerts nearly enough pressure to create diamonds from worries. And debt moving south at a glacial pace, has you questioning the home buying journey.

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    Developing your property portfolio

    ​There’s no place like home. More so when you own! As a member of the mortgage club, you might be wondering what your next steps should be.

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    The current/future state of NZ house prices

    ​Whether it’s tea leaves in the bottom of your cup, the behaviour of the birds, or the slightly hesitant tap of a gavel; the property market is trying to tell us something. The folks at Quotable Value (QV), who trust plain old numbers, are saying Auckland’s prices are declining, while NZ’s in gen...

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    Jacinda scraps capital gains tax. Now what?

    Has Jacinda changed her mind? After spending a decade or so campaigning for capital gains tax (CGT) to “make our tax system fairer”, it’s no longer on the PM’s to-do list. The Tax Working Group suggested CGT in February. Anyone who made a profit selling assets like residential rental homes, inves...

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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...

  10. 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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    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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    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.