NICK KOTZE BLOG

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    Pros & Cons of Split Banking

    Essentially, if you have all your properties and mortgages at one bank, the bank can take collective security over all of them. Even if you have different entities and bought them at different times with different loan accounts, the bank secures the debt against all assets held with them.

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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.

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    The role of a solicitor

    Trust us, you want a good solicitor on your side. Solicitors play a crucial role in helping you buy your home. It’s important to find one early on as their advice can save you from making costly mistakes.

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    7 tips to ace your first auction

    Buying your first house can be daunting and when buying through an auction, it can be a rollercoaster of emotions. Like anything being prepared can help things go more smoothly and make sure the main emotion you are feeling is an excited confidence that things will go well.

  8. Tile the buying process

    Buying your first home, how does it all work?

    So, you’re ready to buy your first home - great. But, where do you start? Pre-approval, mortgage brokers, auctions, it can all be a tad overwhelming. Take a deep breath, things are about to get clearer.

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    Talking insurance is painful, but it’s more painful not to

    Insurance is one of those topics no one wants to talk about, but ignoring it can be much more painful in the long run. Buying a home will be one of the biggest purchases you ever make and while it’s a great asset, it can also be a big financial risk if something goes wrong.

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    Debt consolidation advice & Market update

    I’m often astounded as to the amount of interest some of the Hire Purchase, Credit Card and Car Loan companies charge my clients. I have seen rates as high as 27%. After Christmas I am sure many of us have taken out some debt. Therefore I will try and deal with this wealth restricting dilemma i...

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    Buying your first home with the government HomeStart grant

    As a first home buyer, you want to get all the help you can get to maximise your borrowing potential. If you’ve been contributing to a Kiwisaver for at least three years, you may be eligible for ifor the government’s HomeStart grant.

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    How big a deposit do I really need?

    You’ve decided to buy a home. So, how much do you actually need to save up?

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    Getting approved for a home loan

    Taking out a mortgage is probably one of the biggest and most important financial decisions you’ll make in your life.. But lenders won’t give out a loan to just anyone.