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Murray Joiner - mortgages.co.nz

Understanding mortgage acronyms and terminology

When you’re thinking about getting a mortgage, you’ll probably run into a whole new world of three-letter names for things. If someone’s using these acronyms without first explaining what they mean, be sure to ask. There are no silly questions

Murray Joiner - mortgages.co.nz

How much income should go to my mortgage?

Whether you’re a first home buyer or looking to upgrade, one of the most important rules is to know what you can realistically afford. And what you can afford isn’t the same as what you could pay if you really

Murray Joiner - mortgages.co.nz

Fix, float or split – understanding your mortgage options

Whether you’re applying for your first mortgage, restructuring an existing loan or refinancing to a new lender, it helps to understand why people choose different fix-float strategies. This guide is designed to get you thinking before talking with a mortgage

Jo Joiner - mortgages.co.nz

Why work with a mortgage adviser for refinancing?

This article provides information on working with a mortgage adviser when you’re refinancing a mortgage. We also have a free service that connects you with one of New Zealand’s best mortgage advisers from our handpicked panel. First up, let’s define ‘refinancing’. It

Jo Joiner - mortgages.co.nz

GUIDE – How to Improve Your Declined Mortgage Application

If your mortgage application has been declined, the most important thing is to understand why. It’s an opportunity to ask questions and get advice, so you can develop a new strategy.  To help you make the most of this first

Murray Joiner - mortgages.co.nz

What to do when your mortgage application is declined

If your mortgage application has been declined, it may help to know you’re not alone. Less than half of all applications are approved these days. While the new lending rules have certainly made things more challenging, declined applications have always

Murray Joiner - mortgages.co.nz

How to apply for a mortgage under the new rules

As 2022 began, most Kiwis were enjoying a glorious summer and a break between Covid variant surges. But for mortgage applicants and people preparing to apply for increased credit, the reality of new lending rules was becoming increasingly apparent. It