Everything Mortgage: Recent Episodes
The Mortgage Lab
Brought to you by The Mortgage Lab, Everything Mortgage covers everything you need to know about getting a mortgage, paying off a mortgage and buying property in New Zealand.
Refinancing to a lower interest rate sounds like a good idea. But do the numbers stack up? Mortgage Lab CEO Rupert Gough takes you through what to consider before making the move.
"Today we are talking to all those people who currently have mortgages and are looking for a better mortgage rate from another bank. We’re going to look at what you need to know about interest rates and when it’s good to refinance and when it’s not a good strategy.
So, you’ve got a fixed-term interest rate maturing soon and the bank or your broker has sent you some interest rates. Maybe your current bank is offering 0.1% higher than another bank in the market; should you refinance your mortgage to get the better rate?
Before we can answer that question, we need to consider how much of a difference the interest rate difference will make. In theory, it should always make sense to move to a cheaper bank however, even with very large dollar numbers, the first calculation we need to do is find out if it is worth the bother."
You can watch a video on the same subject here: https://youtu.be/ProZ9fq0ZK0
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
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You can watch a video on the same subject here:
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
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Everybody has a mortgage number. That is, everyone has an amount of money that a lender is willing to lend to them to purchase a house. Mortgage Lab CEO Rupert Gough talks you through what your mortgage number might be and how you can confidently calculate it.
"When you hear that a friend or a workmate or just a random person in the news was declined for a mortgage what you’re actually hearing is that the mortgage amount they applied for exceeded their personal mortgage number at one or more lenders.
And here’s the first thing you need to know about your personal mortgage number. It varies from lending institution to lending institution. And I know what you’re thinking; it can’t be that much, it must be a standardised way of calculating affordability. But because this is a leveraged transaction, in other words, you only need about $9,000 per $100,000 that you are borrowing, a small difference in the way the banks calculate income makes a big difference in the amount they will lend you..."
You can watch a video on the same subject here: https://youtu.be/2bVeGkW-Q3E
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Wondering how the bank would take into account income from a boarder or flatmate? Mortgage Lab CEO Rupert Gough takes you through what you need to know.
"Firstly, let’s clarify the difference between a boarder and a flatmate because it’s important for your application. A flatmate is someone who rents a room at a fixed price and shares the costs such as food with others in the house. A boarder, on the other hand, pays a set amount which might include the room, prepared meals and laundry etc.
The policy for including flatmate income in mortgage applications changes as banks welcome or shy away from higher risk lending. As a general rule, banks don’t like applications to rely on flatmate income if the mortgage is over 80%. So those with, what the banks class as a small deposit - being under a 20% deposit - generally need to be able to afford the mortgage on their own income..."
You can watch a video on the same subject here: https://youtu.be/utkX-qHz1gk
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough wraps up what's been happening with interest rates in May 2022 and shares big news about the First Home Loan and First Home Grant schemes. This is a must watch for first home buyers!
"Firstly, with the First Home Loan, there is now no price cap for getting a First Home Loan. In other words, there is no maximum purchase price when using the First Home Loan scheme. That means, whatever you can afford on your income, up to the threshold of $150k for couples and single parents, you can buy with just 5% deposit. This is huge news for anyone in the smaller, more affordable towns who may be able to get a decent sized house around $800k to $850k where previously they could only spend a maximum of $500k..."
You can watch a video on the same subject here: https://youtu.be/cK7Y7o2MuoI
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough talks you through everything you need to know about the changes to the First Home Loan and the First Home Grant and gives you an explanation of the First Home Partners.
You can watch a video on the same subject here: https://youtu.be/WmnYWvjY99o
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough shares what you need to know about the new government initiative, First Home Partner, and why it could be the key to buying your first home.
"A number of initiatives are already in place from the government - administered and processed through Kainga Ora. The main ones are:
The First Home Loan: This allows first home buyers, buying under a certain price cap, the ability to borrow with as low as 5% deposit with a portion of the loan being guaranteed by the government (taking the risk of low deposit borrowing off the banks).
The First Home Grant: The government gifts money towards a deposit for first home buyers who meet the particular criteria. Again these have property price caps and income caps.
Enter the latest initiative, the First Home Partner, where the government doesn’t guarantee a loan for you but instead takes an ownership in the property with you..."
You can watch a video on the same subject here: https://youtu.be/JO6a2sqvSow
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough shares what's been happening in mortgages throughout April 2022, giving you everything you need to know about the mortgage market.
The big news this month was, of course, the OCR announcement when Reserve Bank Governor Adrian Orr announced a 0.5% or 50 basis point increase to the official cash rate. This was the biggest OCR increase in 22 years on the back of massive inflation of 6.9% well above their target inflation rate of 2%.
Not since 17th May 2000 has the Reserve Bank increased the Official Cash Rate by 50 basis points when the then Reserve Bank Governor and future leader of the National Party Don Brash raised NZ’s OCR to 6.5% because of an inflation rate of 5.8%. That’s right, it’s been so long since we had a 50 basis point jump on the OCR that, at the time, you would have heard about it on your monochrome screen Nokia 3210...
You can watch a video on the same subject here: https://youtu.be/HpGbw-zbgJM
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Thinking about buying a house with friends in order to get on the property ladder? Mortgage Lab CEO Rupert Gough talks you through everything you need to consider beforehand.
With high house prices and not everyone having access to help from the Bank of Mum and Dad, many Kiwis are asking whether it is worth buying with friends instead of on their own.
So let's look at the pros and cons of purchasing a house with friends, what is involved with getting a mortgage together and at the end, I’ll give you the 6 important topics you will need to discuss long before you start searching for a home...
You can watch a video on the same subject here: https://youtu.be/MGimFLkZm2g
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough shares his top five tips to boost your house deposit.
"The first thing is look around your house and see what you can sell. It might be a spare car that you don't use anymore, just sitting down there on the driveway, slowly (or quickly) depreciating in value. It might be the camping gear that you went away once with and almost had a divorce over. It could be the mountain bike that you bought and took out to ride once. There's a tonne of stuff sitting around your house right now, that isn't being used and could be sold to increase your deposit. Grab a camera, take photos and list them on Trade Me. That money is just sitting there not being used. If you’re borrowing at 90%, $5,000 worth of old stuff you don’t use means another $50,000 of borrowing that is possible..."
You can watch a video on the same subject here: https://youtu.be/h5iL4NYuNbk
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Credit cards are a common pitfall for first home buyers. Mortgage Lab CEO Rupert Gough takes you through exactly how much your credit card limits impact your ability to get a mortgage.
"One of the first things you need to know is the difference between a balance and a limit. You might have a limit of $10,000 and be able to borrow up to that amount. But you may never have spent more than $1,000 on your credit card.
Unfortunately, when you're applying for a mortgage, the bank has to assume the worst case scenario. And that would be you blowing out their credit card or maxing it out to its limit..."
You can watch a video on the same subject here: https://youtu.be/c3du_4-M6PA
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
March was certainly an interesting time for interest rates. Rupert Gough, CEO of Mortgage Lab talks you through the latest.
Let’s talk about what happened in March 2022 in the mortgage and property market with the biggest news being the shocking milestone that interest rates reached at the very end of the month.
February’s mortgage lending numbers came out mid-March with $5.7b of mortgages being lent across all the banks in February 2022. This is down 36% from its peak of $9.08b (just 3 months earlier) in November 2021...
You can watch a video on the same subject here: https://youtu.be/6ZdadJdslrQ
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
This topic is just for fun! Or in other words, just for property nerds. Mortgage Lab CEO Rupert Gough looks at what you would need to buy a $10,000,000 house.
"You’ve got a cool money pile floating around in the bank. It’s time to upgrade and you want to go large. 8 figure large. What can you get for $10,000,000 and what do you need to show the bank to be able to get a mortgage? Stick around until the end of the video and I’ll also show you how a 10 million New Zealand dollar home compares to the same priced house or apartment in the US..."
You can watch a video on the same subject here: https://youtu.be/x8vZMcOaViU
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Wondering how much money you actually need for a deposit on a house? Rupert Gough, CEO of Mortgage Lab talks you through the numbers.
"The amount of income varies vastly and is actually quite a hard number to nail down. The amount required varies from bank to bank and is also highly variable depending on your monthly expenses, how many children you have and your secondary debt - things like credit cards for instance..."You can watch a video on the same subject here: https://youtu.be/CXSms3ZvzHo
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Rupert Gough, CEO of Mortgage Lab chats with Garreth Collard, owner of Epsom Tax about whether it's worth breaking your mortgage to re-fix earlier.
If you would like to contact Garreth and EpsomTax to learn more, you can reach them at 0800 890 132 or visit their website www.epsomtax.com. You can watch a video on the same subject here: https://youtu.be/d6xEi49NBpk
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Your options will depend on the reason your application was rejected. In this podcast, Mortgage Lab CEO Rupert Gough takes you through what to do next if you've been declined by a bank, as well as when and how.
*Now I don’t want to shamelessly plug mortgage brokers here, but if you’re getting declined by banks directly it’s safe to say it’s time to talk to a broker. They will find out which bank is most likely to approve your application and give you advice on how to improve your chances of approval.
If you’re not in a position to get a mortgage with a bank, you may be able to get a loan with a non-bank-lender. Your broker will go through all of the options with you. A bank’s acceptance criteria can change week to week and your broker will be across the different criterias of each bank.
Generally, the reason for an application being rejected will fall into one or more of three categories; not enough income, not enough deposit or a bad credit score...*You can watch a video on the same subject here: https://youtu.be/EnD2oGh4yo8
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough does a round up of all the important mortgage news for the month of February 2021.
The month started with a jump in interest rates. ANZ moved first pushing the 1 year rate up to 3.85% at ANZ followed by BNZ 2 days later. Other banks soon followed course ranging from 3.79% to 3.85% for 1 year. At the other end of the fixed term rates, the 5 year term is sitting around 4.95% to 5.25%. That’s a premium of 1.1% - 1.5% to lock in a 5 year rate...You can watch a video on the same subject here: https://youtu.be/7m_Tt1r6mvc
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
In this podcast Mortgage Lab CEO Rupert Gough takes you through whether you could - or should - get a top up on your mortgage.
"There are many valid reasons why you might be looking to pull some equity out of your property to use elsewhere. This is commonly referred to as a ‘top up’ on your mortgage.
The benefit of a top-up is that you get cash to spend but in return your mortgage gets bigger. Interest charged means that unless you pay it back reasonably quickly you will end up paying back a lot more money over the life of your mortgage. For this reason, before you ask whether you can get a top up, it is important to ask yourself if it is necessary and worth the long term additional expense..."
You can watch a video on the same subject here: https://youtu.be/gmqp9qm-ZhU
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
In this podcast Mortgage Lab CEO Rupert Gough gives you an overview of the act, its impacts, and what you now need to do differently in order to get a mortgage.
"The act, called CCCFA for short, came into force on the 1st December 2021. It was largely meant to protect consumers from high-interest loan sharks. But unintended effects of the act have flowed into mainstream mortgage applications, for home-buyers, upgraders and investors alike.
So, what is the CCCFA? The act effectively increases the liability for the directors and senior managers of lending companies. They are now personally liable if borrowing is shown to be irresponsible or deficiencies in the lending process are found. A fine of up to $200,000 for each breach is possible. As a result, banks and other lenders have tightened their application process. They are combing through every small detail to make sure their process is correct..."
You can watch a video on the same subject here: https://youtu.be/jtjbghnVchU
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage interest rates are always changing, making it difficult to keep up if you're not actively working in the industry. But don't worry, Mortgage Lab has you covered. In this video CEO Rupert Gough provides his monthly update on everything interest rates.
You can watch a video on the same subject on YouTube here: https://youtu.be/AIjNcENuo9E
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
The housing supply bill is intended to open up a lot more opportunities for the building of multiple dwellings on a single site. The purpose is to help resolve the housing shortage in some areas of the country. In this podcast Mortgage Lab CEO Rupert Gough takes you through the key aspects of the bill.
You can watch a video on the same subject here: https://youtu.be/rKEuxNFD4fY
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Working through the logistics of selling your current house and buying your next one can be taxing. In this podcast Mortgage Lab CEO Rupert Gough takes you through the process and options.
You can watch a video on the same subject here: https://youtu.be/StNpI1GZS9I
You can also learn more from reading our blog on the same subject at mortgagelab.co.nz/what-happens-when-you-go-to-buy-your-next-house
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage interest rates are always changing, making it difficult to keep up if you're not actively working in the industry. But don't worry, Mortgage Lab has you covered. In this video CEO Rupert Gough provides his monthly update on everything interest rates.
You can watch a video on the same subject on YouTube here: https://youtu.be/8mmrqAPrshk
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
Mortgage interest rates are always changing, making it difficult to keep up if you're not actively working in the industry. But don't worry, Mortgage Lab has you covered. In this video CEO Rupert Gough provides his monthly update on everything interest rates.
You can watch a video on the same subject on YouTube here: https://youtu.be/MSwLGIbrSzo
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
very property investor needs to know this… There are major changes happening to the way mortgage interest expenses are able to be deducted from taxable income.
Garreth Collard from Epsom Tax joined Mortgage Lab CEO Rupert Gough to talk about newly released information including what has changed and what is exempt.
If you would like to contact Garreth and EpsomTax to learn more, you can reach them at 0800 890 132 or visit their website www.epsomtax.com.
You can watch a video on the same subject here: https://youtu.be/HBxa1h8fYJY
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Understanding the end to end process of buying your first home can help manage your stress as you go through the journey. In this podcast, Mortgage Lab CEO Rupert Gough lays out the steps to buying your first home.
You can watch a video on the same subject here: https://youtu.be/kXD__WiVKAk
You can also learn more from reading our blogs at mortgagelab.co.nz/what-happens-when-you-buy-a-house
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Surrounding yourself with property experts isn’t just a good idea - it’s absolutely necessary. And while it sounds expensive, you don’t need to be rolling in cash. In fact, in many cases the advice is free. In this podcast Mortgage Lab CEO Rupert Gough talks about the key people you need as a property buyer.
You can watch a video on the same subject here: https://youtu.be/StNpI1GZS9I
You can also learn more from reading our blogs at mortgagelab.co.nz/property-experts-who-are-yours
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage interest rates are always changing, making it difficult to keep up if you're not actively working in the industry. But don't worry, Mortgage Lab has you covered. In this video CEO Rupert Gough provides his monthly update on everything interest rates.
You can watch a video on the same subject on YouTube here: https://youtu.be/0NC7EGb2ks0
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
Property investment is hugely popular in New Zealand. Yet most investors will only ever own one investment property at a time. In this podcast Mortgage Lab CEO Rupert Gough talks about why this is.
You can watch a video on the same subject here: https://youtu.be/I4JO0QQO-WY
You can also learn more from reading our blogs at mortgagelab.co.nz/the-income-hurdle-why-most-kiwi-investors-only-own-a-single-investment-property
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Conversations about mortgage brokers tend to focus on the service they provide when you buy a house. But your mortgage broker provides multiple important services throughout the life of your mortgage. These services can save you thousands of dollars, a lot of time and stress, and get you in the best position financially. Mortgage Lab CEO Rupert Gough shows these lesser known services some love in this podcast.
You can watch a video on the same subject here: https://youtu.be/0d-7lscEkcY
You can also learn more from reading our blogs at mortgagelab.co.nz/why-should-you-use-a-mortgage-broker-if-you-already-have-a-mortgage
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage interest rates are always changing, making it difficult to keep up if you're not actively working in the industry. But don't worry, Mortgage Lab has you covered. In this video CEO Rupert Gough provides his monthly update on everything interest rates.
You can watch a video on the same subject on YouTube here: https://youtu.be/pDI0KC592Rc
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
The Reserve Bank of New Zealand now has the option to implement debt to income ratio limits. In this podcast Mortgage Lab CEO Rupert Gough talks through the current status of DTI restrictions and explains how debt to income ratios can be measured.
You can watch a video on the same subject here: https://youtu.be/fJT5ZGQUTJE
You can also learn more from reading our blogs at mortgagelab.co.nz/debt-to-income-ratios-what-are-they-and-how-are-they-measured
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Mortgage Lab CEO Rupert Gough talks with Daniel Carney from Goodlife Financial Advice about what's happening in the New Zealand investment market. This podcast is longer than the usual format so grab a cup of tea or coffee, get comfy and enjoy.
If you would like to contact Daniel and Goodlife Advice to learn more, you can reach them at 0508 GOODLIFE or visit their website www.goodlifeadvice.co.nz.
You can watch a video on the same subject here: https://youtu.be/dgJIE2gIl-g
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
Life and health insurances are slightly morbid topics, but are worth looking into. In this podcast, Mortgage Lab CEO Rupert Gough talks through what to look out for when considering insurance.
You can watch a video on the same subject here: https://youtu.be/avu0lptYM_A
You can also learn more from reading our blogs at mortgagelab.co.nz/should-you-get-life-health-and-income-insurance-when-buying-a-house
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
With so much going on in the lending space Nick Goodall from CoreLogic and Rupert Gough discuss everything from recent value growth to the trends and impact of the bank of Mum and Dad helping out first home buyers.
A review of the latest CoreLogic Buyer Classification data leads to what's happening with investors right now, including how the tightened loan-to-value (LVR) restrictions have hindered their activity. Plus some surprise about the reaction to the interest deductibility changes and consideration for the potential impact of debt-to-income limits.
To finish off, the guys discuss everything to do with interest rates - including the forecast for the official cash rate (OCR), hot off the heals of the latest RBNZ monetary policy review, and what impact the pending lift in mortgage interest rates could have on the market.
You can watch a video on the same subject here: https://youtu.be/CC4-KBKQv5k
To contact Nick Goodall and CoreLogic to discuss this video further, you listen to their Podcast channel at corelogicnzpropertymarket.buzzsprout.com or visit there website www.corelogic.co.nz.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can also learn more from reading our blogs at mortgagelab.co.nz/blog/
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: https://youtu.be/aT0ih-Z5mg4
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
When buying your first home in New Zealand, you may be eligible for the First Home Grant from the Government! In this podcast, Mortgage Lab CEO Rupert Gough explains what the First Home Grant is and its eligibility criteria.
You can watch a video on the same subject here: https://youtu.be/VjlVO4jxGeM
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help.
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at mortgagelab.co.nz/first-home-loan-first-home-grant/
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: https://youtu.be/YhR4BuHX4Yw
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
With the changes to the LVR restrictions for banks, does that mean that they will lend to those who have less than 20% deposit? In this podcast, Mortgage Lab CEO Rupert Gough answers this question and more. We have updated our articles and videos to explain how these changes impact you when you are buying a home.
You can watch a video on the same subject here: https://youtu.be/EWt2oZxKWug
You can also read more about deposit requirements by reading our blog mortgagelab.co.nz/how-much-deposit-do-you-need-to-buy-your-first-home
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
There have been some major property-market announcements this month. Here’s our round-up of the major ones and what they mean for first home buyers and investors.
You can watch a video on the same subject on YouTube here: https://youtu.be/mSlRO-lyUHQ
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
Apartments are a very tempting purchase, especially for first-home buyers. They tend to cost less and therefore be much more within reach. In this podcast Mortgage Lab CEO Rupert Gough discusses what you need to consider when looking at buying an apartment.
You can watch a video on the same subject here: https://youtu.be/NKIHM5fWrjY
You can also learn more from reading our blog on the same subject at mortgagelab.co.nz/apartments-the-low-down-on-high-rises/
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
With more employers than ever allowing staff to work remotely, you may be thinking of buying outside the city limits. In this podcast Mortgage Lab CEO Rupert Gough discusses what you need to consider before moving cities and what the banks need to know before you move.
You can watch a video on the same subject here: https://youtu.be/tuS0C_7rEj4
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Debating whether to upgrade your kitchen with some of your savings? Or whether to pay off a chunk of your mortgage to be that step closer to being mortgage free? In this podcast Mortgage Lab CEO Rupert Gough weighs up the pros and cons of renovating your home vs paying down your mortgage.
You can watch a video on the same subject here: https://youtu.be/5Cxsail-BCA
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blog on the same subject at mortgagelab.co.nz/renovate-your-home-or-pay-down-your-mortgage
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: https://youtu.be/mewHwXhj4YQ
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
In this podcast interview, Mortgage Lab CEO Rupert Gough sat down with Oliver Buckingham and Sean Wilson from Solution Street to discuss building new houses with first home buyers.
If you would like to contact Solution Street to learn more, you can reach them at 0800 SSTREET or visit their website www.solutionstreet.co.nz.
You can watch a video on the same subject here: www.youtube.com/watch?v=cHyq6kbtfIk
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
When building a new house there are two contract options: progress payment or turn-key. In this podcast Mortgage Lab CEO Rupert Gough explains how progress payment construction mortgages work.
You can watch a video on the same subject here: https://www.youtube.com/watch?v=0VYn9YCV4-4
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog.
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: https://youtu.be/urFnsdiFqtY
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
It is common for Kiwi property investors to have just one to two rental properties that they manage, but why is this? In this podcast Rupert explains why Kiwi property investors often can't get a mortgage for that next investment property.
You can watch a video on the same subject here: https://youtu.be/YtUG8ZZH_AU
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog.
In this interview, Mortgage Lab CEO Rupert Gough sat down with Luke Meintjes from Heartland Bank to discuss the top 10 myths about reverse mortgages.
If you would like to contact Heartland Bank to learn more, you can reach them at 0800 85 20 20 or visit their website www.heartland.co.nz.
DISCLAIMER: Heartland’s lending criteria, fees and charges apply.
You can watch a video on the same subject here: www.youtube.com/watch?v=SLKpj8xBPHk&ab_channel=TheMortgageLab
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Whether you are buying your first home, a new home or an investment property, understanding what an offset mortgage is and how it can help you in the long run is crucial. In this podcast Mortgage Lab CEO Rupert Gough breaks down what an offset mortgage is and the benefits of having one in your mortgage structure.
You can watch a video on the same subject here: https://youtu.be/ICGbEIm6UCE
If you are unsure where to start or have any questions, don't hesitate to contact the team at mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at mortgagelab.co.nz/what-is-an-offset-account/
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: www.youtube.com/watch?v=jZAZnnfwNkg&ab_channel=TheMortgageLab
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
In this interview, Rupert Gough from Mortgage Lab sat down with Garreth Collard from Epsom Tax to discuss latest updates with Accountants in New Zealand.
You can watch a video on the same subject here: https://www.youtube.com/watch?v=iRN9tdVt_R8&ab_channel=TheMortgageLab
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: www.youtube.com/watch?v=0vyvlr_31SQ
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at www.mortgagelab.co.nz/blog/
In this podcast interview, Rupert Gough from Mortgage Lab sat down with OPES Partners to discuss latest updates in the investment property market in New Zealand.
You can watch a video on the same subject here: www.youtube.com/watch?v=XJUGYiwwOmY
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Proving your income when applying for a mortgage can be one of the biggest hurdles. In this podcast, Mortgage Lab CEO Rupert Gough discusses how, as a last resort, you could potentially pause your KiwiSaver to get your application over the line.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
When applying for a mortgage, the income hurdle can be difficult to get around. In this podcast, Mortgage Lab CEO Rupert Gough discusses how you can increase your useable income for a mortgage.
You can watch a video on the same subject here: https://www.youtube.com/watch?v=cciWZf27ykE
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Interest rates held by all of the banks are always being updated and can be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: https://www.youtube.com/watch?v=gme-_Ddea_Q
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
When you are applying for a mortgage, deciding what term you have can be difficult. Should it be 20 years? 30 years? In this podcast, Mortgage Lab CEO Rupert Gough explains how you can split your mortgage over different terms and the benefits of doing this. It's a three minute video, short enough to watch when your boss goes to the bathroom!
You can watch a video on the same subject here: https://www.youtube.com/watch?v=STNwa9lvIPk
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, we're here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Revolving credits and floating accounts can be great options when structuring your mortgage but it's important you understand what they are in order to make the right choice for you. Don't know a floating account from a revolving one? Don't be embarrassed, we've got you covered! In this podcast, Mortgage Lab CEO Rupert Gough discusses the similarities and key differences between revolving credit and floating mortgage accounts. In no time you'll be able to wow friends and family with your knowledge of mortgage account structures. Parties just got a bit more fun!
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blog on the same subject at www.mortgagelab.co.nz/revolving-credit-vs-floating-mortgage-account-whats-the-difference/
Purchasing your first home can be challenging. The key to being ready to buy is to be organised. In this podcast, Mortgage Lab CEO Rupert Gough shares 3 things that first home buyers can do today to prepare for a mortgage application.
You can watch a video on the same subject on YouTube here: https://youtu.be/ZXODi8BmLik
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blog on the same subject at www.mortgagelab.co.nz/3-things-first-home-buyers-can-today-get-ready-buy/
Interest rates held by all of the banks are always being updated and be difficult to keep track of if you are not actively working in the industry. In this podcast, Rupert has done the research for you and gives you an update on what the current interest rates are.
You can watch a video on the same subject on YouTube here: https://www.youtube.com/watch?v=yKfbw7wNQDI
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are more than willing to help you through this confusing time!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Gross yield income, i.e return of a rental property, can be confusing if you are looking at purchasing an investment property. In this podcast, Mortgage Lab CEO Rupert Gough explains a simple initial calculation for gross yield income.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here:
https://www.youtube.com/watch?v=o8dUIRIWOAU
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
A question we get often is 'should I pay off my credit card first, or build my savings?' In this podcast, Mortgage Lab CEO Rupert Gough gives you the answers.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here:
https://www.youtube.com/watch?v=qlmURxlBrTk
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Student loans in New Zealand are great in that you can pay your loan back over an extended period of time without penalty. However having the debt lingering can impact your application with the bank. In this podcast, Mortgage Lab CEO Rupert Gough explains how the banks view student loans when calculating your income for a mortgage application.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=f2mQvbG0X4c
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
For your first home, trying to work out how much you can borrow to purchase a house can be frustrating and confusing. In this podcast, Mortgage Lab CEO Rupert Gough helps explain how you can roughly calculate how much you can borrow from a bank on your income.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=9O3zQuWVlrY
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Anyone who has rented before has imagined being on the other side of the equation – receiving rent rather than paying it. So it's no surprise many Kiwi home owners are interested in investing in property. First things first, can you afford another property? In this podcast, Mortgage Lab CEO Rupert Gough helps explain the initial calculations you can make to see if you can afford an investment property.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=_FhzpRk4Q_4
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Kiwis like credit cards… a lot. If you’ve got 10 minutes, you could get one online right now (don’t). And the price for easily-acquired, unsecured debt is usually ~20% p.a.
In this podcast, Mortgage Lab CEO Rupert Gough tells us how your credit card limits and debts can affect your mortgage application and why.
You can also learn more about how credit cards affect your mortgage application by reading our blog https://mortgagelab.co.nz/how-much-does-a-credit-card-affect-your-lending/
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=BZGd-GDUQMg
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
Building your deposit to buy your new home can feel frustrating and slow. In this podcast, Mortgage Lab CEO Rupert Gough shares 5 tips to grow your deposit to buy your new home – and gives us a little too much insight into how a camping trip went with his wife. Have a listen and let us know if these saving ideas helped!
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=dhwWTewB890
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
Having your finances in order can often mean the difference between a mortgage pre-approval being accepted or not. In this podcast, Mortgage Lab CEO Rupert Gough explains the benefits of a 'mock mortgage'.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can also watch a video on the same subject on our YouTube channel here: https://www.youtube.com/watch?v=qKzgy-HYSSQ
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
NZ Banks offer a large range of benefits to their clients. Understanding what they do and don't offer can be confusing – especially when the bank doesn't advertise or highlight the benefits very well. In this podcast, Mortgage Lab CEO Rupert discusses 4 things that NZ banks offer to their customers that you may not be aware of.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help!
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
When re-fixing your mortgage, there are lot of things to weigh up such as: how long do you re-fix? Are you planning on selling your house soon? In this podcast, our CEO Rupert breaks down 5 things you should consider when you are re-fixing your mortgage and why.
If you are unsure where to start or have any questions, don't hesitate to contact the team at www.mortgagelab.co.nz/contact-us, they are here to help you!
This is the audio extract of our YouTube video that you can watch here: https://www.youtube.com/watch?v=x-pExhUKF7U
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
We are hearing a lot of questions around insurance and redundancy cover at the moment. We sat down with Mat Page from Financial Design Group to talk about how the insurance companies have responded and what is, and isn't, insurable at the moment.
This is the audio extract of our YouTube video that you can watch here: https://www.youtube.com/watch?v=3vdi67xbzzY&t=23s
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
In this interview, Mortgage Lab sat down with Fiona Clark from the BreakThrough Business Solutions to discuss how small to medium businesses are coping with COVID-19 and the lockdown.
This is the audio extract of our YouTube video that you can watch here: https://www.youtube.com/watch?v=MJtQUHLH1mg
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/
In this interview, Mortgage Lab sat down with Lesley Harris from the First Home Buyers Club to discuss how first home buyers are feeling in the NZ market during the COVID-19 pandemic.
This is the audio extract of our YouTube video that you can watch here: https://www.youtube.com/watch?v=x33bldAozSg
You can watch more of these articles by subscribing to our YouTube channel.
You can follow us on Facebook, Instagram, Youtube and LinkedIn.
You can also learn more from reading our blogs at https://mortgagelab.co.nz/blog/