Over the last 6 months it has been pretty much impossible to escape the media commentary on housing in the Auckland region. Most commentaries acknowledge that the source of the problem is a lack of supply of properties, and there are now calls to turn the council owned golf...
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With the changes in the Reserve Bank requirements for lending to Loan to Valuation ratios of 80% or more (that is to people who don’t have a 20% deposit on their property) in 2013, more people are finding it difficult to get a mortgage. Or maybe your credit record isn’t...
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When a lender provides you with a mortgage, they want to make sure that they have good security if something was to go wrong.  They need to protect themselves against default on the mortgage.  They look at your income (servicing ability) for the mortgage and also how much...
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Unless you are a ‘trust fund’ child or do not own your own property, you are likely to have a mortgage during your lifetime.  Apart from your ability to earn an income, your  mortgage is likely to be the financial arrangement that has the most impact on your financial...
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Do you own your own home (well, in conjunction with the bank)? Or are you waiting to get on the property ladder?  Or are your children or friends waiting to purchase their first home?  As New Zealanders, owning our own home has historically been considered almost as a 'ri...
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This is a topic that we don't really like to talk about, but it is happening all around us.  Divorce - or as we often refer to it 'Wealth Division'. There are enough emotions and stress associated with the process of Divorce, without having to start dealing with the financ...
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