When it comes to applying for a mortgage in New Zealand, credit score is one of the most important factors that lenders use to decide whether or not to approve a mortgage application. Determined by credit history, credit score is an indication of how well...
Mortgage refinancing can be a smart financial move for homeowners looking to lower their interest rates, access equity, consolidate debt, or adjust the terms of their home loan. While you may have to jump through a few extra hoops to get mortgage refinancing with bad...
If your mortgage application has been declined and you’re not sure which way to turn, start by understanding the reasons why the bank said no. Whatever’s holding you back, whether it’s bad credit, too much debt, low deposit, or a property that’s unacceptable to the...
Long-established banks are often considered by many Kiwis as the first port of call when it comes to lending. They’re usually seen as having the best home loan features, the most competitive interest rates, and a superior level of service. But there’s another type of...
Households across New Zealand face the worst squeeze on disposable income, as rising inflation, higher fuel costs, and increased interest rates challenge affordability. For households with reduced income facing the financial squeeze, now is a good time to review your mortgage with a view to...
Whether you’re a first home buyer just getting into the market, an existing homeowner looking at mortgage refinancing, or a property investor with a growing portfolio of property investments, navigating the ever-changing mortgage market can be challenging. Not only is there a lot to grapple...
Bad credit issues can make it hard for you to get a home loan, but that doesn’t mean it’s impossible. If you’re considering applying for a home loan with bad credit issues in the past, here are 5 tips to help you secure your dream...
