5 Essential Tips for Locking in Your New Interest Rate in 2024
Mortgage Express NZ Blog
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8h ago
New Zealand’s Official Cash Rate (OCR) is being held at 5.5% following the RBNZ’s May 2024 update, with the next Monetary Policy Review and OCR announcement due in July. With some finance experts believing inflation will fall back into the Reserve Bank’s target band over the coming year, the central bank may begin cutting interest rates by the end of the year. For homeowners preparing to lock in a new interest rate, here are 5 essential things to know ..read more
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Understanding Risk-Based Pricing and the Impact on NZ Insurance
Mortgage Express NZ Blog
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8h ago
The insurance landscape in New Zealand is rapidly evolving. Over the past decade, insurance premiums have risen steadily in response to higher construction costs and reinsurance expenses. A higher risk of more frequent and severe weather events due to climate change has led some insurers to consider risk-based pricing. Find out what this means for NZ insurance and what proactive measures you can take to mitigate the risk of higher insurance premiums ..read more
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Property Investment: 3 Things to Know Before Getting Started
Mortgage Express NZ Blog
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2d ago
Property is one of the most popular investment options in New Zealand, providing a solid return on investment through long-term capital growth and a consistent stream of rental income. Before diving into the property market as an investor though, it’s vital you’re prepared with the right knowledge and guidance. Find out 3 things to know before getting started, including understanding the benefits, finding the right property, and avoiding the pitfalls ..read more
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Prioritising Insurance Cover Amidst The Rising Cost of Living
Mortgage Express NZ Blog
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1M ago
Underinsurance in New Zealand is becoming a concerning trend, with more Kiwis opting out of the financial protection of insurance due to perceived high costs. As cost-of-living pressures continue to impact budgets, many households are being forced to choose between everyday expenses, like food, rent or mortgage, and insurance cover, because of affordability. Even in these challenging financial conditions however, the importance of maintaining adequate insurance cover cannot be overstated ..read more
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6 Essential EOFY Tax Tips for New Zealand Property Investors
Mortgage Express NZ Blog
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1M ago
End of financial year (EOFY) is an important time for all businesses, and property investors are no exception. Along with preparing financials and filing tax returns, EOFY offers property investors the opportunity to conduct a comprehensive financial review, evaluate investment performance, appraise and adjust rental rates, scrutinise essential expenses such as insurance, and set financial goals for the year ahead ..read more
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Property Market Update: House Prices, Listings, & Policy Changes
Mortgage Express NZ Blog
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1M ago
House prices are slowly rising but the national price index is still behind on the same time last year. Across all regions in New Zealand, new property listings are up to levels not seen since 2015. And Government policy changes impacting landlords, including the reinstatement of tax deductibility and changes to tenancy laws, could spur the market. As always, staying informed, adapting strategies, and getting professional mortgage advice are essential for navigating New Zealand’s dynamic property market ..read more
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Maximising Your Home Loan’s Potential with a Mortgage Review
Mortgage Express NZ Blog
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1M ago
In the busyness of daily life, it's easy to adopt a "set and forget" mentality when it comes to finances. And that includes the mortgage, often fading into the background once it’s in place, ignored for the duration of the loan term. But did you know that regularly reviewing your home loan can unlock a wealth of benefits? From saving money to shortening your loan term to accessing your equity, a mortgage review is an essential part of home ownership ..read more
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Autumn Home Maintenance: Essential Tips for Preparing Your Home
Mortgage Express NZ Blog
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2M ago
Maintaining your home may seem overwhelming, but it doesn't have to be. Keeping on top of the smaller tasks helps ensure your home is well-prepared to handle the changing weather and prevent expensive repairs in the future. From safeguarding against chilly drafts to preventing potential hazards, prioritising these autumn home maintenance tips will ensure your home remains safe, comfortable, and cosy throughout the cooler months ..read more
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Mortgage-Free Dreams: Strategies to Pay Off Your Mortgage Faster
Mortgage Express NZ Blog
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2M ago
Are you dreaming of a mortgage-free future, but not sure where to start or what you should do to get there? Being mortgage-free may seem like a distant dream, but paying off your mortgage early is not only achievable, it’s also a smart financial move that could save you thousands of dollars in interest. Read on as we explore five practical strategies to help you accelerate your mortgage repayment journey and achieve your mortgage-free dreams ..read more
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A Career Fuelled by Creating Relationships & Reaching Sales Milestones
Mortgage Express NZ Blog
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3M ago
Success in the any industry is often measured in milestones, and for Sue Clydesdale, Mortgage Adviser - Mortgage Express, reaching the $1 billion career settled sales mark is a testament to a lifetime dedicated to the art of the deal and the power of enduring personal relationships. From the thriving community of Christchurch to the bustling halls of Grenadier Real Estate, where Sue has been a steadfast presence throughout her career, her journey is one of resilience through natural disasters, economic trials, and the changing tides of the real estate market ..read more
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