First home buyers

Cam's Blog

Real Estate Agents and ‘the truth’

Some people regard real estate agents as a pack of liars and a proposal before parliament which would require real estate agents to tell the truth about properties they're marketing might just formalise that thinking. What's more it would appear the …

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Mortgage advice

Two interesting scenarios have come across our desks in the last 10 days and I hope they demonstrate to you why you would use the go2guys as your mortgage broker over the DIY approach. In the first case we suggested to a couple that they tidy up a …

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Auctions and the low deposit mortgage

  Of all the methods of buying property, auctions are probably the most exciting. Certainly reality TV has turned them into something of a 'glamour event' and stories abound of people going to auction and  buying very well. If you're thinking …

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Timing – working days vs days

Time-frames in sale and purchase agreements can be crucial because the timing of one event normally impacts on whether subsequent events can take place (or not!). We recently read of an example where Sam* had signed up for a house with the …

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$18,000 house deposit – thanks Kiwisaver!

I’ll cut straight to it — if you’re not in Kiwisaver yet (or an equivalent scheme), somethings wrong with you. Although thousands of people have signed up there is still a group of people who seem paranoid about getting into it. In terms of …

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How hard is it to borrow now?

Everyone knows that the banks have become very conservative with their lending criteria and there is no doubt this has created challenges for all property buyers.   But the property market still moves. Sales volumes are anaemic but houses are still …

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Waiting game not always a good idea

It’s often said that taking a wait and see approach can mean you avoid the trap of doing something you’ll later regret. Just because someone says ‘now is the time to act’ doesn’t mean they’re right. Half the time they’re saying it simply because they …

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