Green loans are loans meant for sustainable, environmentally friendly purposes, such as electric vehicles, E-bikes, solar panels, and insulation for your home using the equity built up in your property. Green lending is the practice of providing loans to borrowers who want to pursue green projects or make their lives more sustainable. Though not all...Read More

Scammers and fraudsters are taking advantage of our increasingly digital and online based world to steal funds from their victims. Banks are generally trusted by their customers and have direct access to people’s money and account details, making them a natural target for scammer impersonation. People need to be increasingly vigilant and aware of these...Read More

Are you looking for the best deal when it comes to buying a new property or refinancing an existing mortgage? If so, you may have heard about the mortgage war that was raging over the past few weeks. These bank offers have now largely ceased but do happen from time to time. The low-interest rate...Read More

Many home owners will have enjoyed the historic low interest rates over 2021 and into 2022 where they got as low as 2.19% for a while there.   Well that probably seems a distant memory now, as you face the prospect of rolling off those wonderful rates onto something more despairing in the 6%+ space....Read More

Buying a home is a significant life event that for most comes with the largest financial commitment you will face in your lifetime: A Mortgage. Over the 30 year life of a mortgage borrowers face significant changes to market conditions and movement through the peaks and troughs of the interest rate cycle. With interest compounding...Read More

It’s interesting times alright, especially in the residential loan market. We have 4 (5 if we include our Government owned bank) main banks, plus a handful of smaller banks who lend the majority of residential borrowers in NZ. But what if you don’t qualify for a bank lend? Or what if you want to borrow...Read More

We are lucky here in NZ that with 4 main banks and quite a few smaller ones, there is an offering for meet most clients needs. With my clients I work with them initially to work out the best bank with the right structure that will help them hit their short and longer term goals....Read More

I am sure you will all remember the TV advert, a dog is yours for life, not just for Christmas. I do, and it probably sparked me into a life of dog ownership (currently 2 retired greyhounds who dominate our sofas 24/7 –  see the photo above). Well, a mortgage adviser is the same. If...Read More

The new Credit Contracts and Consumer Finance Act (CCCFA) came into effect on Dec 1 2021 with a vision to protect vulnerable borrowers. This has shaken up the housing market, spooking borrowers and making banks more tentative in their lending. The act has increased analysis on customer expenses, causing numerous sensationalized headlines about that extra...Read More

When you are self-employed, buying a house can be more challenging than it is for someone who has a steady income as an employee. The applications are scrutinised so much more closely because the profitability is usually more variable. Often being self-employed means your income varies from year-to-year. This makes you a risk. The banks...Read More