What is Refinancing Your Mortgage?
New Zealand Home Loans » Finance
by Janelle Ericksen
1M ago
We will cover: When you purchased your home, you likely took out a mortgage. That mortgage reflects the circumstances when it was created – from the market conditions to interest rates to your financial situation and goals. Down the line, you may be in an altogether different situation, with income, family circumstances, or long-term goals no longer suited to your current loan. Source ..read more
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What to Ask a Mortgage Broker
New Zealand Home Loans » Finance
by Janelle Ericksen
2M ago
That’s great! Purchasing a home (be it for the first time or the fifth time) is always a landmark moment. Every home ownership story is unique – but the one thing they all share is a (sometimes stressful) journey towards securing a mortgage. Thankfully, navigating this journey doesn’t have to be a solo mission. A mortgage broker can serve as your wise and experienced guide. Source ..read more
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What Does a Mortgage Broker Do?
New Zealand Home Loans » Finance
by Janelle Ericksen
2M ago
Buying a home can feel like a roller coaster – amidst the ups and downs, one question frequently pops up: Do I need a mortgage broker? What about a broker with a higher-level personalised service – such as a NZHL Mortgage Mentor? Short answer: Probably. The first step in deciding whether to use a mortgage broker is to understand what they are and what they do. Simply put… Source ..read more
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Do Mortgage Brokers do a Credit Check?
New Zealand Home Loans » Finance
by Janelle Ericksen
3M ago
Applying for a mortgage can be overwhelming – that is why many homebuyers utilise mortgage brokers or NZHL Mortgage Mentors – experts who liaise between borrowers and lenders. These professionals help find the right loan for your needs and guide you through the application and approval process. As part of the pre-approval process, mortgage brokers conduct an initial credit check. In this guide… Source ..read more
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How Often Can You Refinance Your Mortgage?
New Zealand Home Loans » Finance
by Janelle Ericksen
3M ago
Refinancing your home loan can be an attractive option for a variety of reasons, including securing lower rates, consolidating debt, increased flexibility, or accessing your equity. In some cases, refinancing can even help you achieve financial freedom, faster. With these potential benefits in mind, you may be asking yourself: How often can you refinance your mortgage in New Zealand? Source ..read more
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When to Refinance your Mortgage
New Zealand Home Loans » Finance
by Janelle Ericksen
3M ago
Refinancing your home loan can be a smart strategic move that offers a range of benefits, including saving money, accessing equity, and customising your loan to meet your evolving needs. It can even help you reach financial freedom, faster. Getting the right advice is key. Before making any decisions it’s important to understand the ins and outs of refinancing – from the application process and… Source ..read more
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How to Refinance Your Mortgage
New Zealand Home Loans » Finance
by Janelle Ericksen
4M ago
There are many reasons to consider refinancing your home loan. Refinancing can be a great strategy to reduce interest costs, make better use of equity, or simply ensure your loan is best suited to your needs. In some cases, refinancing can even help you reach financial freedom, faster. The opportunity to take advantage of a lower interest rate or increase your access to cash is naturally… Source ..read more
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Tips for Stretching Your Holiday Budget
New Zealand Home Loans » Finance
by Janelle Ericksen
4M ago
In this blog, we’ll look at ways to make your money go a little further so you can enjoy the festivities without the financial hangover. Here’s a few tips & tricks: School Holidays: can you reduce childcare costs by sharing the load with family or friends or tag team with other parents to take turns looking after the kids? To keep them entertained, check out the free school holiday… Source ..read more
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How to Prep Your Finances for 2024.
New Zealand Home Loans » Finance
by Janelle Ericksen
7M ago
As we near 2024 and look toward fresh goals (New Year’s resolutions, anyone?), it’s time to take stock of the year that was – what went well, what didn’t, and where to next. In this blog, NZHL Auckland City Business Owner Hedy Sheck shares her thoughts on financially preparing for the year ahead. Read on to find out more. Taking Stock – what can you learn from 2023? Source ..read more
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A Mortgage Mentor Guide to Holiday Budgeting.  
New Zealand Home Loans » Finance
by Janelle Ericksen
9M ago
With Christmas lights and carols due to make a proud appearance, the festive season is fast approaching alongside an inevitable increase in household spending. With many budgets already stretched, making a holiday budget is arguably more important than ever – after all, nothing washes away the magic of Christmas faster than the reality of overspending. At NZHL, we believe the first step to healthy... Source ..read more
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