Buying a house can be an exciting and daunting experience. One of the essential things to consider when buying a house is the cost involved in settling a house purchase. In this blog, I will discuss various associated with buying a house.

Holistic financial planning is an approach to financial planning that considers your entire financial situation and how different elements of your finances can work together to achieve your goals. This approach takes into account your income, assets, liabilities, expenses, and goals, and aims to create a comprehensive plan that can help you achieve your financial objectives. In this blog, I'll explore some of the advantages of holistic financial planning.

Purchasing a home or finding the right insurance policy can be a complicated and confusing process, and many people turn to mortgage and insurance brokers to help them navigate these complexities.

As a mortgage and insurance broker in New Zealand, I play a valuable role in helping my clients find the best possible mortgage and insurance options for their needs. In this blog, I'll discuss the benefits of working with a mortgage and insurance broker

I have been approached multiple time with the same question; Is it now a good time to buy a house? When is it the best time to buy a house. Now the house prices are decreasing, are there good deals?

In the next few paragraphs, I will explain some of the questions you should ask yourself and some information to consider.

Using your KiwiSaver funds to buy a house can impact your retirement savings in a few ways.

Firstly, withdrawing money from your KiwiSaver account to buy a house means that you will have less money invested in your KiwiSaver account, which may result in a smaller retirement savings pot. This is because the money that you withdraw to purchase a house is no longer invested and earning returns, which can mean missing out on potential growth.

Becoming a homeowner is an exciting and life-changing experience, especially when it comes to buying your first home. The process can be complex and can seem daunting, but by preparing yourself and knowing what to expect, you can ensure that you make an informed decision. Here are some essential tips to help you through the process of buying your first home.

In a recession, housing prices may fall, making it a good time to buy a home. However, if you are uncertain about your job security or future income, it may be better to rent as owning a home comes with a long-term financial commitment.

Interest rates are a crucial factor to consider when taking out a loan, as they directly impact the amount you pay each month. When interest rates rise, it can be a concern for borrowers, especially if you're already struggling to make your monthly loan payments.

Here are some things to consider if you're worried about rising interest rates and paying your loan:

The "Bank of Mum and Dad" is a term that has become increasingly popular in recent years as more and more young adults are turning to their parents for help in purchasing their first home. With the cost of housing rising and the challenges of getting a mortgage becoming more difficult, the Bank of Mum and Dad can provide a valuable source of support for many aspiring homeowners.

The purpose of construction lending is to provide the funds necessary to complete a construction project, which can range from building a new home to renovating a commercial property. The loan is usually made in stages, with disbursements made at various points in the construction process, such as the completion of the foundation, the framing, and the final inspection. This is done to ensure that the funds are being used appropriately and the project is progressing as planned.

Financial planning is a process of setting and achieving financial goals by creating a comprehensive strategy that aligns with your values, goals, and objectives. It's a roadmap that helps you navigate the complex world of finance, so you can make informed decisions that will help you achieve financial security and stability.

Low Deposit Home Loans: A Guide for First-Time Homebuyers