News & Opinion

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How’re your business financials looking?

Posted 3 years ago by Developer

Coming into September and October banks start to be less reliant on business financials from. 31 March 2017 as suitable proof of income.

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Official Cash Rate remains unchanged

Posted 3 years ago by Developer

The OCR (Official Cash Rate) remains unchanged and appears it could remain on hold for some time.

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Mortgage loan

Don’t rely on the bank valuing your loyalty

Posted 3 years ago by Developer

A common issue we often encounter is when clients buying a property have an offer accepted but have just hung their hat on their own bank approving the loan, only...

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Tougher scrutiny of borrower’s spending on the horizon

Posted 3 years ago by Developer

Last week I attended an Australian industry broker conference in Sydney. It was interesting to see the level of change happening in the lending environment over there where approx 55-60%...

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LVR restrictions may become permanent

Posted 3 years ago by Developer

permanent tool going forward. The recent uptake in first home buyers being a large part of the market (especially in Wellington) has lead to the Reserve Bank potentially looking at...

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Interest Rate Update

Posted 3 years ago by Developer

Major banks short-term rates have been quite low recently and it can be easy to get swayed by what appears to be cheap rates e.g. 4.35% 1-year specials.

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Improve your home loan approval chances with these tips

Posted 3 years ago by Developer

1. Watch your bank statements! Close any accounts you hardly use and make sure you don’t go into unauthorised overdraft.

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Changes in lending policy for 2018

Posted 3 years ago by Developer

As we lead into Xmas there are some changes in the lending world to be wary of for January 2018.

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Lending restrictions set to ease early 2018

Posted 3 years ago by Developer

The Reserve Bank has today announced a ‘modest’ easing of Loan to Value Ratio (LVR) restrictions from early 2018.

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Why use a mortgage broker

How to avoid finance falling over on your property deal

Posted 4 years ago by Developer

There has been some interesting articles this week relating to property deals (it appears mainly attributed to Auckland) falling over at the last minute due to finance.

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