First home buyers

Cam's Blog

About Campbell Hastie

Cam is one half of Auckland based mortgage brokers, The Go 2 Guys.

He makes a living by sharing what he knows about mortgages with people, arranging mortgages for people and then insuring people.

He doesn't claim to know everything about mortgages himself which is why he teamed up with David Mercer — hence the ‘2’ in Go 2 Guys.

He writes posts regularly on his blog and has been told he has an ability to share his knowledge in a simple and sometimes memorable way.

Feel free to comment and ask any questions. Contact Campbell Hastie m: 027 697 7789.

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The art of not looking dumb: Getting the right mortgage approval

Let’s say you used mortgage calculator on my website. Let’s also say that you got a positive result and your numbers suggested strongly that you really, truly, honestly were in a position to borrow a stack of money and buy a house. Would you go to an … Read more

Self-employed: Get your ACC cover right

Every self-employed person I know of can tell at least one story about how ACC diddled a mate out of their full 80% income entitlement when they got crook. In most cases (but not all) ACC didn’t ‘diddle’ anyone. In fact it’s often their mate who … Read more

Crunching the first home buyer numbers – who makes the cut?

800. That’s the number of people who have used the mortgage calculator on our website since February 2017. We’ve tried to make phone contact with all 800 people and some major themes have emerged. About 200 people entered dud contact details … Read more

A window for first home buyers – but how far will it open?

  I like Peter Thompson of Barfoot and Thompson fame. This week he was quoted by NZ Herald and Radio NZ as saying that first home buyers should be exempt from the requirement to have a 20% deposit, provided the purchase price is under … Read more

5 tips to help you avoid throwing good money after bad

From time to time we do a bit of work with Simon Lempriere from the Money Mentalist, as they work in a similar field to us. Simon's written this blog, in which he shares his top tips on sunk costs and knowing when to pull the pin and stop throwing … Read more

The problem of unconsented works

I am constantly surprised at the number of properties out there which have had a bit of work done without having first obtained building consent.   At the less concerning end of things, you might have added a new deck to create a nice outdoor … Read more

Deleting debt to get a home loan

Sometimes people come to us with a lot of consumer debt which can be a real problem if you’ve got less than 20% deposit for a home loan. If you're a borrower with a small deposit (most first home buyers!), then basically you need to be squeaky … Read more

AUCKLAND PROPERTY MARKET: A buyers’, sellers’ or bankers’ market?

September 2016 put a real dampener on the Auckland property market with the announcement from the Reserve Bank of a 40% deposit required by investors. Slowing things down for first home buyers was its direct intention and this legislation has … Read more

Hello from the other side: Thoughts from a first-home-owner

  One of my team members flicked me an email recently - she raised the point about how unknowing you can be as a first home buyer, and that can make the process far more painful than it needs to be. Louise is a first home owner herself, so … Read more

Saving for a house deposit: Impossible?

  A significant problem we see with first time buyers is that the pace at which house prices have risen in recent years, has totally outstripped their ability to save a house deposit. With a 15% increase in each of the last two years, a … Read more