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Part of the volatility on international financial markets since the start of 2016 has been related to the concern about the highly leveraged European banks and whether they will be able to pay the interest on the CoCo’s (Contingent Convertible bonds) that they have issued...
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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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Before the Global Financial Crisis (GFC), New Zealand had it's own meltdown with Finance Companies.  Everyone learned a lot of lessons about the relationship between risk and return.  The higher the risk, usually the higher the return. ...
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1. Don't ignore your mortgage and figure 'she'll be right'

Interest costs on mortgages are a large cost, and if you can manage your financial planning so that you pay less interest over the life of a mortgage, your financial situation will gain a big benefit.  You should be aware of how your mortgage is set up, what your mortgage ...
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Over the life of your mortgage, the amount of interest that you pay is likely to be more than you like to imagine. One of the ways that you can manage your interest liability is to be aware of the structure of your mortgage. Are you getting the best value with your mortgage...
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Moneyworks NZ now have a fully accredited Mortgage Broker.  Carey Church is licensed to assist you and your family and friends with managing and arranging and structuring your mortgages. Carey is supported by Paul Swarbrick, Client Relationship Manager - who has in excess ...
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