Grant’s Blog

As your mortgage adviser, I consider myself as your first line of defence when it comes to getting things set up correctly. I’ve worked with hundreds of clients of whom each have different needs and so I can help get you get started and guide you through the entire home buying process.   However, I’m...Read More

Building your own home is an ideal that many of us share. Finding that perfect block of land to build your dream house on and settle down in is an incredibly exciting experience. Keep reading to see how you can make this dream a reality by borrowing against bare land.   For the most part,...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

You may have heard the term “Usable Equity” before and wondered what it means. Let’s dive in… In simple terms, it is the amount much equity you have available to be “used” – easy right? But how do I calculate this? And what can I use it for?   To calculate usable equity, we need...Read More

Okay, you’ve tracked your spending, made savings, and cut corners where you can – even gone without coffee! In the end you’ve compiled quite a nice deposit. It’s a long shot, but you think you’re getting close enough that maybe, just maybe you have enough to become a first-time property owner. You fill in all...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

You may have heard the quote by Francis Bacon “Knowledge is Power”, but since then, there have been a few derivatives: “Knowledge is power. Knowledge shared is power multiplied.” Robert Boyce “Knowledge is not power. Knowledge is only potential power. Action is power.” Tony Robbins “Knowledge is power. Information is liberating. Education is the premise...Read More

Your credit score is a number between 1 and 1,000 that indicates how likely you are to pay your bills on time. The higher the score, the better your credit rating is. If your score is low, mainstream banks can be reluctant to lend – to both individuals and businesses. Companies may be reluctant to...Read More