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NZHL

Recent Posts

Reviewing your finances is key when self employed

  • NZHL
  • 7th of June 2015
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I’ve been working with a few self-employed clients recently and by simply restructuring their finances they are now in a position to make some significant savings and free up good cash flow.

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Interest Rate vs Mortgage Term

  • NZHL
  • 28th of May 2015
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‘You only know what you know’. Or in terms of a mortgage, you may only know what your lender chooses to reveal.A quick look at a mortgage comparison site, interest.co.nz, and all you see are...

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The changing landscape for Property Investors

  • NZHL
  • 18th of May 2015

In the last week both the Reserve Bank and the Government have announced changes that are aimed at cooling the heated property market in Auckland and are primarily aimed at property investors.

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How to Buy with a Low Deposit

  • NZHL
  • 16th of April 2015
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As we enter the new year and get a clearer understanding of the new government low deposit restrictions a number of solutions have become available to those without a 20% deposit. These include:

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Business banking through your mortgage

  • NZHL
  • 10th of April 2015
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For sole traders and single business owners utilising your business banking within your home loan can help you pay off your mortgage 2-3 years earlier and save you a decent amount in bank fees as...

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Using your house to get into commercial property

  • NZHL
  • 23rd of March 2015
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A scenario I myself am currently investigating, and one I recently spoke to a client about, is acquiring a commercial property. In both scenarios it is moving from leasing an office to owning a...

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How much time do you put into finding an investment property?

  • NZHL
  • 3rd of March 2015
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I speak to numerous people about them wanting to purchase an investment property.
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Budgeting for a build

  • NZHL
  • 3rd of March 2015
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If you are looking to build and considering not using a housing company you need a reasonable funding facility or some equity to be able to meet a number of the costs. We currently have a client...

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Proactive vs. Reactive - Changing your attitude to debt

  • NZHL
  • 2nd of March 2015
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I was listening to a doctor discuss how people often came to him for the magic cure – a solution to a problem that already exists.

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While you have a mortgage…

  • NZHL
  • 26th of February 2015
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Utilise compounding interest as best you can. Compounding interest, I’ll let Albert Einstein explain it:“Compound interestis the eighth wonder of the world. He who understands it, earns it. He who...

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