Stay Connected With Us Over the Holiday Season
The festive season is a time for family, relaxation, and celebration, but it’s also a time when you might find yourself thinking about your financial goals for the coming year. Whether you’re planning to buy your first home, refinance your mortgage, or simply need advice, we’re here to help—even during the Christmas and New Year break.
How Do Banks React with Interest Rates After an OCR Change?
When the Reserve Bank of New Zealand (RBNZ) announces a change to the Official Cash Rate (OCR), it’s often followed by speculation about how Banks will adjust their interest rates. While the OCR is a critical factor, it’s not the sole determinant of mortgage rates. Let’s explore how Banks set their interest rates after an OCR change.
Tips for Buying a Property Off the Plans
Market conditions have softened over the past year that leads to more opportunity to secure a property off the plans as a home or investment property, often at a lower price. However, since you’re purchasing before the property is built, there are important steps to take to ensure you’re making a sound investment. Here are some key tips for buying off the plans that can help you make the right decision.
What to Do When Your Loan Is Up for Refixing and Rates Are Falling
When your mortgage is coming up for refixing, it’s a chance to evaluate your financial situation and take advantage of what’s happening currently with rates continuing to fall. Lower rates can reduce your monthly repayments, but there are several key steps to consider to make the most of this opportunity.
Interest Rates are Falling: What Kiwi Homeowners Need to Know About Break Fees
With the recent announcement from the Reserve Bank on easing the OCR Banks have responded by reducing interest rates they have on offer that triggers many homeowners to think about refinancing their mortgages to take advantage of the lower rates. While securing a lower interest rate and potentially reducing your monthly payments is attractive, it’s important to understand the potential costs involved, particularly the break fees associated with breaking your existing mortgage.
The Benefits of Having Medical Insurance
Medical insurance is often seen as a luxury, but especially in Aotearoa, it offers numerous benefits that can make a significant difference in your healthcare experience. Here are some key advantages of having medical insurance that you may or may not know about.
When's the Best Time to Buy
Buying a house is one of the biggest financial decisions you’ll ever make, and timing can play a crucial role in getting the best deal. The property market has its unique cycles and trends, influenced by various factors such as interest rates, economic conditions, and government policies. So, when is the best time to buy a house?
Purchasing an Investment Property: Some Helpful Tips
Given recent announcements around changes in legislation and tax this year we thought it timely to write around some things to consider when stepping into this domain given the idea of making such a purchase may now become more of a goal for people to move towards in future.
5 Essential Tips to Navigate Higher Interest Rate Rises When Your Mortgage Comes Off Its Fixed Rate
After the recent sharp rises in interest rates navigating the best way to deal with these can be a crucial aspect of managing your finances. When your mortgage comes off its fixed rate, dramatic changes with interest rate rises can pose challenges.
Unlocking Success: How our Team Can Strengthen Your Property Purchase Offer
In the competitive real estate market that we are in now securing your dream property often requires more than just finding the right listing. Crafting a compelling offer that stands out to sellers is essential, and using our experienced mortgage team can give you a significant advantage in this process.
