My 20+ pathways to securing finance for your clients.
With credit rules tightening thanks to our friends across the ditch, this could make you and your clients fear they may struggle to get finance for that property they have their eye on.
NEWS & INSIGHTS
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2019 | Rates and the housing market
NZ house prices are slowly moving up, except for Auckland which saw small falls over January. Soon Auckland may not be the only place where property is getting cheaper.
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Getting set for 2019
This time of year is perfect for reassessing your finances and making sure everything is in check.
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We declare a new mortgage war and ask; will the NZ market follow Australia’s slide?
A major bank just announced a property loan rate below 4%. Is this the first salvo in a new mortgage war?
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The latest on negative gearing
PM Ardern pledged to end negative gearing and just released Labour’s official policy assessment. What did it say?
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RBNZ relaxes lending rules
The RBNZ has made the decision to further relax the rules around loan to value ratios (LVRs), which will offer our housing market a much-needed adrenaline shot. How does this impact you?
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Don’t get stung by a stocking stuffer
You don’t have to spend Christmas eating gruel like Ebenezer Scrooge, to live within your means. Here’s a few tips to help you take control this Christmas.
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关于你的利息
一定程度上“一劳永逸”的心态随着贷款而下滑。贷款从你账户里吞噬着你的钱。与此同时，你继续进行其他事情。但问题是 - 如果您只有偿还利息（IO）的贷款，何时转向本金和利息（P＆I）偿还？
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新西兰每周租金创历史新高
供应短缺导致价格上涨。这是供求关系的铁归律。想想当地的黄金，钻石或优质服务。根据最新的Trade Me租赁价格指数，目前可出租物业的缺口就是新西兰的租金。此外，在夏季繁忙高峰期，渴望获得挖掘的投资者推动了需求。在过去一年中，全国每周平均租金上涨了6.6％，达到创纪录的$480澳币。
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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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The fog has cleared on LVR restrictions
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.
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Migration falling, house prices to follow?
The drop is part of a gradual drift from record immigration. So, how does it impact home loans, real estate and all that jazz?
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Want a loan for a boat or something on wheels? I can help with that.
If buying a luxury yacht, a caravan or a family car is on your to do list, be smart about how you finance it and you could save yourself some serious coin.