For more information on what is happening with Bank lending read more here
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If you are a home owner and have rental properties, with mortgages on both, here is an interesting article we read recently by Graeme Fowler (Google him he is big in the property investment world here in NZ), where he gives his opinion about whether to pay off a own Home Loan first before paying off a Rental Property Loan, or trying to pay off both....
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When it comes to buying a property, the term “due diligence” is bandied about a lot. That means doing your official research into the property you’re interested in, and top of the list of recommended research is usually a LIM report…
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Financial Goals are often about saving or paying off debt. Clearing high interest debts like credit cards or hire purchase could be paid off first and as soon as possible. Then look at saving for an emergency fund, increase mortgage payments and pay the loan off quicker. Think about a retirement fund, save a small amount weekly which can add up over time…
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There are many types of mortgages, each with its own interest rate, fees and flexibility. Each of these things affect how much the loan costs and how long it will be before it’s paid off. An interest rate can be fixed, floating or a mix of both. And there are different repayment structures to choose from. It’s enough to make anyone’s head spin, so let’s break some of these terms down…
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When it comes to buying a house, one size does not fit all. It's important to find the right type of property for you and your future, so the first step is making a list of what you are looking for.
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