What You Need To Know About Second-Tier Lenders
One of the workarounds that’s been suggested since tough new lending rules started making it harder to get a mortgage is considering second-tier lenders. In our experience second-tier lenders can provide a useful alternative when the main banks aren’t playing ball – but even mentioning the term ‘second-tier’ can provoke an interesting response from some […]
Tips to Make Financial Progress in 2022
We were all hoping that 2021 would hold better things than 2020 … and thanks to Covid, we also all know how that turned out! If you’ve reached the end of the year having worked really hard – but without much to show for your mahi, you’re not alone. Uncertainty can make it more difficult […]
The Top 3 Things First Home Buyers Should Consider in 2022
If you’ve been hearing reports that the housing market could be turning into a buyer’s market this year – before you call your local real estate agent and put in an offer – hold up. Prices may be coming down, but lending restrictions and tighter regulations mean securing a home loan as a first home buyer is […]
Does your employer offer life insurance cover?
Many companies will offer free life insurance cover as part of an employee benefits package. This insurance cover is usually offered to employees at either a fixed amount or based on a particular formula. i.e., multiple of salary. In some instances, you may be able to take up more life cover or add additional benefits […]
New year, new KiwiSaver investment fund?
Whether retirement is 5 years away or 25 years away, your choice of KiwiSaver investment fund will play a big part in helping you realise your KiwiSaver dream. “We all have different goals and different circumstances so the fund that’s right for your friend or colleague may not be the right one for you,” says […]
Riding the Investments Wave
You may have read in the media or seen in your own portfolio that financial markets have had a bit of a rocky start in 2022. It can be concerning to see the value of your investments, like KiwiSaver, go down but it’s important to remember that changes in the value of your investments are […]
The impact of new lending restrictions on those who want a mortgage
The new lending regulations that have banks going through your statements with a fine-toothcomb and assessing what you spend on Uber Eats and Netflix might feel a bit judgey (and it kinda is). That judgement impacts how much people with good incomes and strong equity positions can borrow. The solution for making the banks less […]
Financial Mistakes Not to Repeat in 2022
2021 dished up vastly differing fortunes for us all – but in finance, often it’s not the cards you hold but how you play them that really counts. So, if you didn’t fare so well after 2021, (and even if you did) here are a few financial mistakes to consign to the dustbin in 2022. […]
How to Handle the Mounting Financial Pressures of 2022
Warren Buffet famously said “Only when the tide goes out do you discover who’s been swimming naked” – and we may soon see exactly who’s in the buff, because the tide has turned. Interest rates are rising, inflation is a 30-year high, share markets have been falling and the housing market has been slowing, there […]
Why Your Spending Habits Matter Now – More Than Ever
We all know that interest rates are rising – The Reserve Bank raised interest rates by 0.25, as they were expected to do, and as they were poised to do back in August, before the Level 4 lockdown was announced. That’s bound to set off a fresh round of fretting about where interest rates are […]
