NZ Mortgage Advice

Wednesday motivation!⚡

https://www.nzmortgageadvice.co.nz/

Do you stay informed on changes in the housing market? 🏠

Although difficult at times, it’s important to keep up to date with changes to the housing market as the industry is constantly evolving and some changes may affect you. For example, keeping up with changes to the official Cash Rate (OCR) and interest rates can help you plan for your fixed rate rollover.

A mortgage advisor can be a great tool for you to think ahead when it comes to your lending options. Have a chat with our team today for the latest industry updates and tailored financial advice.

https://www.nzmortgageadvice.co.nz/

At the start of the year, these dynamic first-time homebuyers reached out to NZ Mortgage Advice to explore the possibility of purchasing their first home together. After an initial meeting with Amy, it was quickly confirmed that their dream was within reach, and they began the exciting journey of making it a reality.

Armed with a pre-approval, these clients embarked on their house-hunting adventure, visiting at least 15 properties every weekend. Despite a few missed opportunities, they persevered, never losing sight of their goal. Their determination and resilience paid off, and they finally found the perfect place to call home.

We are incredibly proud of this family for their commitment and cannot wait to support them in their future endeavors. Congratulations on this significant milestone!

https://www.nzmortgageadvice.co.nz/

We’re heading to Sydney next week and are keen to chat to some Kiwi’s living across the ditch, looking to purchase in New Zealand.

If you’re in Sydney and would like to have a chat about purchasing in NZ, feel free to get in touch.

[email protected]
020 4049 0099

https://www.nzmortgageadvice.co.nz/



Photo by Henrique Felix on Unsplash

It takes a bit more than just having a good income to be responsible with money. With a world that’s constantly changing and evolving it’s important to continue developing your understanding on how to manage and optimize your finances.

Here at NZ Mortgage Advice, we’re here to provide you with some helpful tools and resources to build your understanding of financial responsibility when it comes to your home loan.

To book a no obligation free chat get in touch today!

https://www.nzmortgageadvice.co.nz/

How to use your home loan to build wealth over time 🏘

Did you know you could use your home loan to build your wealth plan over time?

Depending on the housing market, you may find that over time your house value increases. While this occurs, you’re also steadily decreasing your home loan with regular repayments. These two factors work together to grow your equity in that property. This in turn increases your opportunity to purchase an investment property using your equity.

Subject to lender affordability & serviceability criteria.

https://www.nzmortgageadvice.co.nz/

Lovely words alongside an incredible gift from recent clients. Always so grateful to be a part of family's journeys to home ownership 💚

https://www.nzmortgageadvice.co.nz/

Choosing the right type of home loan for your needs can be confusing. That’s why we work with 25+ different lenders so that we have plenty of options to find the right option that’s 100% tailored to you.

To review your lending, get in touch for a free no obligation chat.

https://www.nzmortgageadvice.co.nz/

When investing in an asset, whether big or small, you should always look at the long-term benefits vs costs and ensure this aligns with your long-term goals.

For example, if you’re purchasing an investment property you must consider what this would mean to you in 10, 20, 30 years time and how it could benefit the future you.

https://www.nzmortgageadvice.co.nz/

REVIEW 💚

“We are so grateful to have worked with Fiona on refinancing our mortgage. She was 100% about getting us into the best possible outcome with no hidden agenda. Fiona made it so easy, coming to our house for meetings, being contactable at any time and no question was too stupid! Thank you, Fiona. We would not hesitate to work with you again or recommend you to others.” – P.D

https://www.nzmortgageadvice.co.nz/

What do we look for when we analyse your bank statements?

Hint - it’s not how often you’re buying a coffee! Here’s a couple of things we’re looking for:

1. Evidence of consistent income

2. Regular, necessary expenses such as:
- Insurances
- Groceries
- Transport
- Children expenses
- Utility payments such as Power, wifi, phone etc.

3. Any red flags such as un-disclosed debts, dishonoured payments or unauthorised overdrafts.

4. Any other signs of poor money management such as excessive spending on non-necessities such as gambling or Buy now pay later facilities.

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Common mistakes to avoid when applying for a home loan:

1. Having poor account conduct in the last three months prior to applying for a home loan.

2. Not budgeting for expenses involved in getting a home loan such as lawyer fees, builders report or a registered valuation.

3. Not completing your due-diligence on the property you’re offering on.

4. Not using a mortgage advisor to find the best lender to suit your needs.

https://www.nzmortgageadvice.co.nz/

Saving for a house can be daunting. Here’s some tips on where to get started! 💰

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Not sure how to fill your extra day off this long weekend? We’ve got some ideas that will benefit your finances! 💥

1. Create or update your budget, noting all your expenses both essential and non-essential. See where you can decrease your spending/save more.

2. Go through your bank accounts, assessing your spending and noting any areas you could cut back, or any subscriptions could cancel.

3. Have a look around the house if there’s anything you’ve been meaning to sell or simply don’t use anymore. A simple way to make some additional income.

4. Clean out your pantry (and your freezer!), throwing away anything inedible and donating any edible food that you don’t see yourself eating. Then create dinner ideas using what you already have without shopping for more food.

https://www.nzmortgageadvice.co.nz/

Feedback from recent clients ✅

“Fiona made our first home buying experience an absolute breeze. Any questions we had were answered so that we fully understood. Communication was easy and consistent. From the very beginning through to settlement she made the whole process really easy. I highly recommend Fiona at NZ Mortgage Advice.” – S & V

https://www.nzmortgageadvice.co.nz/

SPONSOR SHOUTOUT - Fiona de Barre NZ Mortgage Advice

Who better to go to if you need to chat about home lending, give Fiona a shout and she will help get you sorted. Thanks Fiona for your continued support.

A review from one of Amy’s recent clients…

“We had the absolutely frictionless pleasure of dealing with Amy initially , and then Fiona. Amy was fantastic, making everything clear and concise, and presenting us with every option. Then we had the pleasure of meeting and dealing with Fiona. The sting was removed from the process, and we found it a breeze. Thanks to both of you, Jess and I can't recommend you highly enough.” – S.S

https://www.nzmortgageadvice.co.nz/

It’s not the house but the love and memories that you create that make up your home❤️

https://www.nzmortgageadvice.co.nz/

What are a few of the first questions I ask my clients at our initial meeting:

1. What are your intentions for your lending based on your current income, expenses and budget?

2. What are your future financial goals as a homeowner, both short and long term?

3. What’s your employment and address history? – lenders prefer these to be relatively consistent.

4. Do you have any financial assets? What would your deposit look like?

5. Do you have any existing debt/liabilities or payments in arrears?

https://www.nzmortgageadvice.co.nz/

How many days does it take to withdraw your Kiwisaver?

When using your Kiwisaver as part of your deposit for your first home purchase, it can take up to 15 working days for your solicitor to act on your behalf to arrange for your Kiwisaver to be withdrawn from your provider.

It’s important to consider this when offering on a property as your finance clause & settlement timeframes in the Sale & Purchase agreement will need to account for this timeframe.

https://www.nzmortgageadvice.co.nz/

Often it can be exciting to look for homes after starting the journey to home ownership. However, we always recommend focusing first on getting pre-approved from your lender before getting your heart set on a home.

As your mortgage adviser we analyse your financial situation and provide recommendations for how much could borrow as well as acting on your behalf to secure your pre-approval from the bank, before you fall in love with your dream home.

Then it's time to go 'House shopping'

To start the pre-approval process, book a chat to one of our advisors today.

https://www.nzmortgageadvice.co.nz/

TESTIMONIAL ⚡️

“Fiona was fantastic, she told me to contact her at any time with any questions I may have (and I did). She treated me like a person and not a number. I highly recommend her to everyone.” – J.Z

https://www.nzmortgageadvice.co.nz/

Do you need to meet with a mortgage advisor in person? 📞

No, here at NZ Mortgage Advice we help clients all of New Zealand with their lending needs.

Often clients will meet with their advisor over video chat depending on what suits them. This gives a lot more flexibility for clients to meet with an advisor if they have limited availability or live in a different area.

Alternatively, you may wish to meet with an advisor in person as it’s more personable. Our team are happy doing both!

https://www.nzmortgageadvice.co.nz/

Are you wanting to make the switch from renter to owner? We can help with that! Let us guide you through the process ✅

Book an appointment with us today for a free, no obligation chat. Let’s talk solutions.

https://www.nzmortgageadvice.co.nz/

Come see us at the Hawke’s Bay Better Home & Living Show this weekend! 🌟

We’ll be there Friday 17th – Sunday 19th chatting all things lending. If you’re eager to have a chat about your lending options, pop along and pay us a visit. You might even go in the draw to win an awesome prize!

https://www.nzmortgageadvice.co.nz/

Sending love to all Mums today, no matter what type of Mum you are ❤

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“🌟Exceptional Mortgage Broker! 🌟

I had the pleasure of working with Fiona from NZ Mortgage and I can’t say enough good things about the experience, from start to finish Fiona demonstrated professionalism, expertise and was dedicated to helping us secure the best deal…
Fiona offered personalised guidance and tailored mortgage options, she went above and beyond especially when the pressure was on, if anyone is in search of a reliable and trustworthy mortgage broker then I would highly recommend.
BIG THANKS….you are truly a gem in the industry…

” – K.M

https://www.nzmortgageadvice.co.nz/

NZ Mortgage Advice - Your Home Loan Partner NZ Mortgage Advice is here to provide tailored mortgage advice to your situation, helping you understand the application process from start to finish.

Have you owned a home before but didn’t purchase with your Kiwisaver? If you’re in a similar financial position to a first home buyer, you may be eligible to use your Kiwisaver for your next home purchase.

To see if you’re eligible, head to our website to book a chat.

https://www.nzmortgageadvice.co.nz/

There’s no better feeling that stopping by to drop of a housewarming gift to your clients and for them to mention to you that they are so incredibly grateful with your help. These lovely clients said that due to Fiona’s help their dreams of buying their first home have come true, which means the world to them. They wouldn’t let her leave without taking a cheeky selfie as they wanted to always remember this special moment 😊

https://www.nzmortgageadvice.co.nz/