EVERYTHING YOU NEED TO KNOW WHEN PURCHASING A NEW
PROPERTY, MOVING HOMES, INVESTING OR GETTING SMARTER WITH
YOUR LOAN FINANCES.
Borrowing capacity
Your borrowing capacity is something you need to know before you commence your property search as it tells you how much you can spend on your new home and where you can afford to live.
Fixed rate and variable rate home loans
Interest rates can change regularly or stay steady, depending on the economy at the time. Choosing a fixed or variable interest rate home loan can help you reduce interest charges over the life of your home loan.
Finding the right property
Finding the right property is essential to securing the right home loan. There are a many details you need to consider when selecting your home and determining how much you can borrow.
Buying property with family and friends
Buying property with family or friends is becoming increasingly common. This type of property purchase is usually completed as a tenants-in-common purchase, which allows two or more people to own interest in a property, either in equal or unequal shares.
Managing and reducing your mortgage
Once you’ve secured a mortgage, it’s important not to just ‘set and forget’. You need to spend some time managing it to make sure it continues to work for you.
Mortgage repayment hardship variation
If you’re experiencing temporary difficulties in meeting your mortgage repayments, you may be eligible for a hardship variation from your lender. Some common reasons behind short-term mortgage repayment problems include job loss, injury and illness.
Moving costs
Costs can very considerably from lawyer to lawyer and also are dependent on each personal circumstance. Are you buying or selling – or both. Is a “Kiwisaver” withdrawal involved and/or a “First Home Grant”? I would encourage you to obtain quotes prior to the purchase of a home.
Managing mortgage stress
Mortgage stress can affect anyone, regardless of where you live or how much your property is worth. Although interest rates do play a part in creating mortgage stress, more often than not the real cause lies with an unexpected life event; unemployment, illness, injury and relationship breakdown are some of the most common causes of mortgage stress.
Your borrowing capacity is something you need to know before you commence your property search as it tells you how much you can spend on your new home and where you can afford to live.
Fixed rate and variable rate home loans
Interest rates can change regularly or stay steady, depending on the economy at the time. Choosing a fixed or variable interest rate home loan can help you reduce interest charges over the life of your home loan.
Finding the right property
Finding the right property is essential to securing the right home loan. There are a many details you need to consider when selecting your home and determining how much you can borrow.
Buying property with family and friends
Buying property with family or friends is becoming increasingly common. This type of property purchase is usually completed as a tenants-in-common purchase, which allows two or more people to own interest in a property, either in equal or unequal shares.
Managing and reducing your mortgage
Once you’ve secured a mortgage, it’s important not to just ‘set and forget’. You need to spend some time managing it to make sure it continues to work for you.
Mortgage repayment hardship variation
If you’re experiencing temporary difficulties in meeting your mortgage repayments, you may be eligible for a hardship variation from your lender. Some common reasons behind short-term mortgage repayment problems include job loss, injury and illness.
Moving costs
Costs can very considerably from lawyer to lawyer and also are dependent on each personal circumstance. Are you buying or selling – or both. Is a “Kiwisaver” withdrawal involved and/or a “First Home Grant”? I would encourage you to obtain quotes prior to the purchase of a home.
Managing mortgage stress
Mortgage stress can affect anyone, regardless of where you live or how much your property is worth. Although interest rates do play a part in creating mortgage stress, more often than not the real cause lies with an unexpected life event; unemployment, illness, injury and relationship breakdown are some of the most common causes of mortgage stress.
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