First home buyers

Cam's Blog

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

Mortgages: How to juggle them when you’re self-employed!

If you're self-employed it can often feel like your income is as unpredictable as the Warriors on game day. This can make managing mortgages very stressful. We regularly work with self-employed clients, offering advice on structuring their home … Read more

Self-employed people, income insurance and ACC

As a self-employed person I pay ACC every year. And like you I hate it. But I also know it’s one of those facts of life – a bit like death and taxes, as the saying goes. I’ve also been on the receiving end of ACC lately because my knee gave way … Read more

Mortgages: Is a 10 year fixed term too long?

Imagine setting your interest rate at 5.89% and never batting an eyelid over it for the next 10 years. That’s what TSB’s recent announcement essentially offers – a 5.89% home loan fixed for 10 years. But does this deal really suit the average … Read more

RBNZ to impose speed limit on low deposit loans

The RBNZ looks set to proceed with a version of one of the macro-prudential tools signed off by the Finance Minister earlier this year — a restriction on loan to value ratios. Word on the street is that while the restriction won’t put a complete … Read more

Thinking of switching your mortgage to another bank?

I noticed a Facebook ad today from TSB Bank touting a 15 month fixed rate of 4.95%, $1000 toward cash for your troubles plus an ipad or iphone. Sounds great doesn't it? But watch out for the T&Cs because all such offers come with strings … Read more

My bank doesn’t understand small business

If you're a small business owner you may have heard this one before. You may have even said it once or twice! A few weeks ago we workshopped a case with National Bank where the business owner was looking for a loan to 'tidy up a few bills' and to … Read more

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 … Read more

2011 – get ready!

In real estate there are only a handful of rules; one of them is that ‘well located and appropriately priced property always moves quickly’. And is it any wonder? Although most buyers would welcome a screaming bargain in reality  ‘well located and … Read more

The truth about low deposit mortgages

You may have noticed that banks have become more flexible in their lending policies especially for borrowers whose deposit is less than 20%. In fact, you may have even seen some advertising on TV (Westpac) or on Facebook targeting first home buyers … Read more