Access to a Wide Range of Lenders & Products When you go directly to a bank, you’re limited to the mortgage products the bank offers. However, a Financial Adviser works with multiple lenders — including all major NZ banks and non-bank lenders. This means they can present you with a broader range
Now is the perfect time to look at your financial goals, but sticking to those resolutions can be a challenge. Whether it’s securing your dream home, refinancing your mortgage, or creating passive income through a property investment, the journey to financial success starts with expert advice. Let’s break down how to make
Today, the RBNZ cut the OCR to 4.25%, reducing it by 50 basis points. It’s been an active second half of the year, with two OCR reductions in recent months – August reducing 25bp from 5.50% to 5.25%, then 50bp in October from 5.25% to 4.75%. Today is the final change of
While we are still at stage 7 of the Property Cycle, which is the best time to invest in property, the market has moved to what is called “Goldilocks market”. A Goldilocks market refers to a market that is “just right” — not too hot (overheating) and not too cold (stagnant or
Rentvesting is a home buying strategy, which is changing the landscape of home ownership for first home buyers. With housing affordability and interest rates high in recent years, many hopeful home buyers have found themselves priced out of the locations they want to live in. A further setback to some first home
Discover the power of falling interest rates and how they impact the Property Cycle. Lower interest rates can open doors for property buyers and create favourable conditions for property investment. What does this mean for you? First up, what is the Property Cycle and what is it used for? The diagram above
Most Kiwis are familiar with life insurance: an essential policy if you’ve got debts to pay and family who rely on you. But many don’t hold a trauma insurance policy despite the fact it’s often just as important as life cover. This gap could leave thousands of Kiwis vulnerable – so what’s
How much would private Health Insurance benefit you? Private Health Insurance is a type of health coverage provided by private companies (rather than the government) to help individuals or families pay for medical expenses. In NZ some of the most popular and well-known brands for health insurance include Southern Cross, NIB and
What’s the difference between redundancy & income protection insurance? People often ask our team if redundancy is included in their Income Protection Cover, and unfortunately, it usually isn’t – these are almost always two completely separate policies. It’s really important to know what your insurance policy covers you, and with that in
Life has a funny habit of speeding up once you get through your forties and fifties, and before you know it, 65 and retirement can be staring you in the face – with all the exciting possibilities it represents, once you’re freed from the shackles of work. However, if you haven’t done
Now, more than ever, we need to be on the same page as each other in a relationship – especially if we’re in a new relationship. Here is Five Tips to Navigating Money in New Relationships. Times are turbulent and there’s a great deal of uncertainty in the air. Interest rates are
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