First home buyers

Cam's Blog

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

The problem with buying an investment property as your first home

In these difficult and troubled times creativity is needed in order to get into a property, especially if the market you’re buying in is Auckland. So why not buy an investment property in the provinces? They’re cheap (well, cheaper than Auckland) … Read more

How I renovated without haemorrhaging my home loan

  When it comes to renovating property, 90% of the stories you hear or see on TV make it sound like blowing the budget is inevitable. And that’s a rather daunting prospect when you’re ramping up the home loan to make the transformation … Read more

Will an $85k income cut the mustard? The harsh reality of home loans

  Imagine you’ve just received a promotion at work – new responsibilities, fancy new job title and more cash. You’re now on $85,000 a year! Oh, the possibilities! A home loan?! Maybe now you can truly consider buying a house! If you’re in … Read more

What’s in store for the Auckland mortgage market

In my previous blog, I summarised exactly what’s been happening with the economy over the past few years (a lot!), and what it’s all meant when it comes to getting a mortgage in Auckland. Now, let’s take a look at what else is in store – and how it … Read more