Your next move or change of scene.

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Help and food for thought for your next move.

Your first home isn’t an end point – it’s the start of a journey. Once you sign on the dotted line for one piece of real estate, you can start looking at where you will live next. It might be as part of an investment strategy, or you may simply have one eye on upgrading to a larger home when you decide to start a family.

Whatever the reason, there are some key questions you will want to ask an Auckland mortgage broker about buying again:


Is buying a second home in Auckland easier?

In short: yes. You will have a repayment history on your first mortgage, and most likely some decent equity in the property too. You can take advantage of this position and get a home loan befitting of you and your hard work.

Buying a home again in Auckland means you don’t just have the expertise of an established mortgage broker – you have your own knowledge too.


Are you selling and buying property in Auckland as part of a larger plan?

Even if your decision to buy a second home in Auckland is based on practical reasons like space or price, you can still develop a smart wealth management strategy. The structure of your home loan will play an important role in how you are planning for your financial future.

Your Auckland mortgage broker can help you find a mortgage that doesn’t just get you a great second home – it starts to set you up for later in life. Your second home loan does not have to last 30 years, and you should give careful thought to paying less now and more later, and maintaining your flexibility.


Do you buy or sell first?

This is a difficult question, as much of it depends on the market. Ideally, you will be selling and buying property in Auckland almost simultaneously, so you are in full control of the situation. This is a predicament where the use of professional advice can help you steady the ship and come out on top.

Because you have more borrowing power when buying a second home in Auckland, you can take stock of everything. Don’t just shop on rate – look at the fees and how they impact you as well. As always, the advice of an established mortgage broker in Auckland can help you shop smarter and buy a second home with ease.

Mortgage People specialises in helping people get the most out of their loan right across the property ladder – when you are ready to buy again, get in touch.

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What you need to know when buying again.

Home lending news and tips for Kiwis moving on.


Shake off the home loan.

Your next property move needn’t come with another lifetime mortgage; you could plan to be debt free much sooner than you might imagine with a bit of smart structuring. Find out more


The highs and lows of interest rates.

Fixed, floating, split loans – what to make of interest rates in today’s market? We look at the different types of rates and ways to make them work for you. Find out more


So it comes with a free TV?

What may seems like a great introductory offer can hide higher interest rates. We look at how to work out the real long-term benefit of some great sounding home loan offers. Find out more

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Taking stock of your financial future.

  • Moving – whether it is for bigger space, the school zone or downsizing for a different pace of life – is a prime time to take stock of your financial future and what you want to achieve. How your new home loan is structured plays a much more important role in achieving goals than you’d think. Make sure your home loan is optimised for want you need next.

    Call us today or click here to get in contact.

About us

  • We’ve been helping New Zealanders make smart mortgage choices for over 25 years. In fact, we were the first company to broker a residential mortgage application between a client and bank, and created the current formula used by all New Zealand lenders for residential property investment.

    Whether you’re buying for the first time, buying again, looking to refinance or considering property investment, our team of highly experienced mortgage advisers know home loans inside and out. Sharp negotiating skills, years of experience connecting Kiwis with property and well, just good people, are on hand to talk to you about your home ownership plans.

Selling or buying first – the artful balance.

  • Sometimes it’s simply a case of timing – the right place comes along and you make the decision to buy with the knowledge that you still have to sell your place. It happens, and it’s not exactly a stress-free experience.

    Ultimately, you want to be able to sell and buy around the same time and feel in control of the situation. With big decisions concerning your biggest physical asset, the last thing you want is to feel forced or pressured. This is definitely one of those times when surrounding yourself with a panel of experts that you trust – and enjoy working with – is important.

    Call us today or click here to get in contact.

Know your value to lenders.

  • You’re no newbie to homeownership so remember that you have some clout to take to your home loan negotiations. You have a repayment history and likely some or a fair bit of equity – make the most of your position to get the home loan you and your hard work deserves.

    Call us today or click here to get in contact.

Top tips for first time investors.

  • In our book, getting the foundations right are essential to being successful. If you’re starting out in property investment, here are a few key things to consider:

    1. Define what you want to achieve – consider both monetary reward and lifestyle.

    2. Define the timeline – what should your investment deliver and when? Investing is about profit afterall.

    3. Consider your role in the success of your investment – what time and energy do you have to commit?

    4. What is your strategy – buy and hold; buy and renovate; long term wealth creation; adding value to increase rental yields? What kind of approach will get you where you want to be?

    Call us today or click here to get in contact.

Understanding the risks.

  • Every investment has risk, even those that seem well, as safe as houses. But understanding what those risks are can help you avoid them.

    Mainly we’re talking about things like picking a property that is not attractive to enough tenants; picking a renovation investment and costs blowing past the point of profit; over gearing yourself or not planning for unexpected loss of rental income and others.

    It’s definitely a good idea to get advice from as many sources as possible before committing yourself – or in fact right at the start, when you’re in planning mode. We can help you spot the risks and plan for the opportunities.

    Call us today or click here to get in contact.

Working out your investment strategy.

  • First things first – what do you want to achieve? Is investing in property a long term income and wealth strategy for retirement or do you have nearer term goals for your returns? Knowing what your investment strategy needs to deliver plays an important role in the approaches you choose.

    There are many different investment strategies, but here are a few of the more common ones:

    1. Buy, add value and sell – this is where an investor has found a property which through a cost effective renovation will create profit through a quick sale.

    2. Buy to rent – this is where an investor buys a property to create increasing rental income and equity through value increases over the long term.

    3. Buy and renovate – similar to above, but where you buy a property that with either basic or more comprehensive renovation will rent it out at much higher rates.

    Call us today or click here to get in contact.

Choosing the right property.

  • Choosing an investment property is all about buying with your head. You want to find a property that is going to go provide a profit, not to create memories, so choosing really comes down to how the numbers stack up.

    There are several ways a property can turn profit, the most common being its value going up in time. Another pretty common strategy is to find a place that you can cost-effectively add value to the property. To find the right property you need to have a defined goal for your investment strategy, and a timeline for reaching it.

    On the whole, you’ll want a property that is going to be attractive to potential tenants. And that’s not just about aesthetics – consider elements such as transport, shopping and other community facilities, even whether the council plans to make some improvements to the area which could increase value in time.

    Just a few things to consider when planning the type of property you need for your investment strategy. We can help you map out your property investment strategy and plans.

    Call us today or click here to get in contact.

The basics of property investment.

  • If you are looking for a set-and-forget investment option, property might not be the one for you. As an investment class, property can offer strong and stable returns, but it does require a fair bit of energy to make it work. Starting off with the many, many properties you’ll see to find the right one; the reading you’ll do on rental returns and plans for the suburb you buy in; talking to lawyers and accountants about the best way to structure things… and more.

    We’re not trying to put you off – we love property investment, it’s part of what we do. But we like our clients to be prepared for the whole picture – the good bits and the hard work.

    Of course, as that saying goes – you get out what you put in – and if the above has only served to get you more excited about stepping into property investment, we’ll gladly help you through the detail.

    Call us today or click here to get in contact.

Top tips for refinancing.

  • Refinancing can make financial sense, but only if you get it right. There are three important things you need to do when refinancing – which is exactly what an adviser will do for you:

    1. Shop around all the banks and lenders for the best deal
    2. Make sure you are aware of all the fees involved – some lenders will even charge a fee if for paying off a debt early
    3. Get the very best impartial advice to make sure the financial decisions you make are the right ones now, and in the future.

    Call us today or click here to get in contact.

What to consider when consolidating debt.

  • Consolidating or refinancing loans only work if it means you’ll pay less in fees and interest. You’re adviser will help you navigate the following risks:

    (1) It may be a short-term fix if you can’t meet the repayments on the new loan.
    (2) Lower repayments but over a longer term can add to the overall cost because you’re paying interest for longer.
    (3) There can be extra fees and charges including ‘hidden’ fees for a new loan, alterations, late payments and payment defaults.
    (4) Specialist debt consolidation companies often charge much higher interest.

    Call us today or click here to get in contact.

Benefits of debt consolidation.

  • With the right advice, debt consolidation can help you:
    (1) Save on fees and charges
    (2) Secure a competitive home loan
    (3) Reduce your monthly repayments
    (4) Control your finances and pay off your loans sooner.

    Call us today or click here to get in contact.

Refinancing for a better home loan.

  • If you’re refinancing for what looks like a better home loan, it’s important to consider the long term benefits against the actual costs of refinancing. Our advisers can help give you a clearer picture so you can make the right choice.

    Call us today or click here to get in contact.

Refinancing to consolidate debt.

  • Debt consolidation can be a smart way to lower your monthly repayments by combining what you owe on credit cards, personal loans and your home loan under a new and better home loan rate. Our advisers can make sure you find the best solutions at the best rates for a better financial future.

    Call us today or click here to get in contact.

Top tips for first home buyers.

  • Here are three important things to consider when getting your first home loan. And it’s exactly what an adviser will help you with:

    1. Know what you’re working with. Like how much deposit you have, how much you’ll need up front for legal costs, the loan repayment amount you can comfortably service etc
    2. Shop around all the banks and lenders and get you in the best position to negotiate
    3. Get the best impartial advice – from how to make sure you’re borrowing wisely to how you can become home loan free much sooner than you think.

    Call us today or click here to get in contact.

How much can I borrow?

  • This is the big question, and one that can have several different answers, depending on the size of your deposit, what a lender is prepared to lend on a particular property, and your spending habits. Check out our handy home loan calculators to give you a clearer picture of what you can afford.

    Call us today or click here to get in contact.

What about LVR restrictions?

  • A loan-to-value ratio (LVR) is the amount a bank can lend against the value of a residential property – currently a maximum of 80 per cent in most instances. However, the important word here is most. There are instances where banks are allowed to lend over this threshold so with the help of an adviser, you may be able to buy your first home with a deposit of less than 20 per cent. Your adviser can tell you more.

    Call us today or click here to get in contact.

Can I use KiwiSaver for my deposit?

  • If you’re a first home buyer you can withdraw KiwiSaver contributions made by you and your employer to use as a deposit towards your new home. You can only do this if you’ve been on KiwiSaver for more than three years. Talk to an adviser to learn more about using KiwiSaver and how you can access your funds to get onto the property ladder.

    Call us today or click here to get in contact.

How much deposit do I really need?

  • The more deposit you have the less interest you’ll pay and the more options you’ll have to choose from. But, if you have less than 20 per cent, the good news is that many banks and lenders will lend on less – for example 10 per cent – depending on your circumstances. An adviser can find out exactly what your options are and show you how to get to where you want to be.

    Call us today or click here to get in contact.

Another 30-year mortgage?

  • You don’t have to sign-up to another three decades of mortgage repayments. Depending on affordability and your goals, seriously consider the term you want to take your next home loan for. The longer you have it; the more you pay for it and we’re not talking small amounts of cash. The term and structure of your home loan makes a huge difference so get some expert advice about the options that can save you years and thousands.

    Call us today or click here to get in contact.>

Top tips for designing your next home loan.

  • 1. Consider the next five years or so – what are your plans? What kind of flexibility will you need? Is your income likely to change – for example, starting or growing the family? Make sure your home loan is structured to best serve your plans and goals.

    2. Truly understand the difference between less now and more later. There are smart ways to structure your home loan to reduce the years you spend tied to it and the amount you pay in interest. Finding out how could save you thousands.

    3. Understand the full picture; don’t just shop on rate. Yes, interest rates are important but fees can make a difference to the total cost of your home loan. Don’t pick the shiny sharp rate without getting some expert advice.

    Call us today or click here to get in contact.

Income Protection

  • Income protection is all about protecting you and your family’s lifestyle in the event you’re unable to work due to ill health, with a monthly payment until you’re able to return to work or reach retirement.

Permanent Disablement Cover

  • If you life takes an unexpected turn and you become permanently disabled through accident or illness, Total and Permanent Disability Insurance provides a lump sum payout for you to spend as you choose.

Trauma / Critical Cover

  • Trauma / Critical Cover removes the financial stress that comes with suffering a major health trauma, paying out a lump sum so you and your family can concentrate on what’s most important – your recovery.

Medical / Health Insurance

  • It’s easy to get lost in the maze of medical insurance. We’ve made it our business to know the ins and outs of the different policies on offer, so you know exactly what you’re signing up for.

Life Insurance

  • We all like to think we’re invincible, but the reality is a little different, which is why it’s so important to make sure the people you love are protected if something happens to you. Life Insurance has evolved and now offers a range of different options and benefits so it’s more important than ever to get the right policy and cover.

Your BIGGEST claims advocate

  • When life throws a curve ball, dealing with insurance companies is the last thing you should have to do. We’re your absolute advocate at claim time: we manage the process from start to finish and put your insurance to work.

We keep in touch

  • We check in with you every year to make sure the information we have is up to date and that your insurance is still right for you. As life changes, so does your insurance.

We find the right mix.

  • Save your precious time. We find you the best insurance options for your needs, then guide you through the process – straight-forward and fuss-free.

What’s important for you

  • Tell us about what’s important to you and together we’ll work out what type of cover you need. We’ll meet at a time and location that works for you, and together we’ll get it right.