Two areas we are talking about here, Affordability and Banks easing up at high LVR’s. Specifically 90% advances much easier so maybe …

Investment markets move in cycles and it’s difficult to forecast when they’ll rise or fall. Moving your money in and out of the market during a downturn means you could potentially miss out on any positive bounce in a strong market recovery.

It’s easy to invest when markets are running smoothly but when they fall your confidence can be sorely tested. More uncertainty in investment markets means more volatility and a need to review your investment strategy.

For first home buyers the next few months are shaping up to a good time to buy and there are three reasons for this.

A line of credit, or revolving credit, is a very useful facility to have as part of your mortgage structure. The way it works is that you are committed to pay back only the interest each month and interest is charged only on the amount borrowed.

There is a worldwide trend for investors to want to make a positive contribution to the world by investing in companies that are socially and environmentally responsible.

Buying a house is the most important financial decision that most people ever make. The financial consequences of taking on a mortgage can have either a favourable or disastrous effect on your future prosperity depending on how well your mortgage is managed.

Oddly enough – the New Zealand banks are trying to take a chunk of your cash for the privilege of paying more interest. Gits.

What kind of relationship do you have with money? Is your money plentiful or scarce? Are you afraid to take risks with money or are you a high roller? The relationship you have with money is determined by your money personality which in turn is influenced by many complex factors.

There is only one way to create a lot of wealth (other than buying a winning lottery ticket) and that is to invest in assets that grow in value. That means investing in property, shares, or your own business.

It is now much easier than it was to spot a risky investment. On 1 March, 2010 it became compulsory for all non-bank deposit takers (including finance companies, building societies and credit unions) to have a credit rating from an approved rating agency such as Standard & Poor, Moody or Fitch.

One of the fundamental principles of managing money is that time and money are inextricably linked. People who are successful at creating wealth are those who understand the connection between time and money and use it to their advantage.