Property Blogs

When it comes to getting a Mortgage, many people do just that. Why? Because they go direct to their own Bank and assume that the Bank will offer them the best deal, without checking what else is available.

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With all this talk about the housing market gaining ground; it is a good time to check out how you might also gain from the situation. From our own experience we have found that many of our more established clients have grown their wealth through property investment. Sometimes with very little cash from their own pocket.

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Intentions by the Reserve Bank of New Zealand (RBNZ) to force banks to hold more capital for people with a less than 20 per cent deposit towards a mortgage will only hurt ordinary Kiwis.

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People can be put off by the cost of mortgage protection insurance but this can be made more affordable with a little planning. Especially when tailor made to fit alongside other possible sources of income, such as sick leave, holiday pay and emergency savings.

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The conditions may be seen by many as ‘picture perfect’ for purchasing residential property in New Zealand but how long can we expect it to last?

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Kris Pedersen of Kris Pedersen Mortgages recommends New Zealand Property Investors avoid the ‘One Bank Trap’. Kris has years of experience in the finance sector and founded Kris Pedersen Mortgages in 2007.

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We know Auckland property values are as high as they’ve ever been and the lack of actual property listings is keeping the heat in the market. Thankfully home buyers can secure property due to our low home loan rates.  In an earlier post I mentioned RBNZ’s desire to consider other mechanisms to cool the property [...]

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While we (property investors, home buyers, Kris Pedersen Mortgages) are closing watching RBNZand#8217;s every move regarding the OCR and the impact on interest rates they are watching us! Mortgage rates are wonderfully low right now and weand#8217;re keen to see it stay this way. & However there are economic factors at play that may upset [...]

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New Zealandand#8217;s residential property market is well and truly alight with the Christchurch rebuild well underway and the freeing up of more land in Auckland giving rise to new property builds. & So does this mean we should be expecting a rise in lending rates any time soon? Any rise in lending rates and the [...]

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Auckland there's no stopping its economic growth and it being the powerhouse of New Zealand. Housing sales are up, and new build consents are also on the rise.

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At the beginning of 2012 the Banks were still pretty tight in terms of lending criteria and property types. All changed with most now lending to 95% and on apartments too.

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State of Play with New Zealand’s Housing Market, Looking back over the year in terms of house prices one of the more interesting moments was from former Reserve Bank governor Alan Bollard in his final monetary policy statement was about house-price inflation.

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Changes to the ADLS 6th Edition Deed of Lease that help the landlord:

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A complete house inspection is essential before you become seriously interested in buying a property. The buying process has multiple steps and before investing time and effort into each step, it is best to verify, using a checklist, whether or not it is even worth investing.

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The current crop of discounted rates and ‘cashback/tablet’ promotions has nothing to do with the International markets and all to do with the local Banks slugging it out for market share.

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Because we are in the business of Mortgage finance, providing a comprehensive Insurance service for our clients is a natural fit. Either when you need a mortgage refinanced, or need a new mortgage, at Kris Pedersen Mortgages we recommend a reassessment of your total financial and risk needs.

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