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Our Latest Blog Posts
What do the banks really look at when it comes to assessing a mortgage application. Surprisingly, income is less important than you think...
A recent example where the bank declined a mortgage application from an Auckland man who works 60 hours a week shows that the banks are also taking lifestyle factors into consideration under the new 'Responsible Lending' regime.
Home buyers will need to demonstrate clean and disciplined spending habits over about 18 months to have every chance of getting a mortgage.
It is important that the growing number of first time home buyers in Auckland choosing the new build route to home ownership – as a means of bypassing the Reserve Bank’s loan-to-value ratio (LVR) restrictions – do good due diligence. Consider this...
Christine Lockie discusses the impact of investors on first home buyers in the New Zealand market.
Auckland, North Shore: The mortgage door has closed suddenly for some mum and dad property investors with less than 30 per cent equity following an announcement by ASB recently that it will issue no more pre-approved mortgages for property investors in the Auckland area.