NZHL Northcote - Home Loans & Insurance

14/08/2024

Good News for Homeowners & Buyers! 🌟

With the recent drop in OCR rates, we expect to see lower interest rates. This is a fantastic opportunity for those looking to buy their first home or refinance their mortgage! 🏡💰

If you've been waiting for the right time, it could be now. Lower rates mean more affordable payments and better borrowing power. But remember, it's crucial to assess your overall financial situation and future goals before making any decisions. We are here to guide you.

Let's chat if you want to explore how these changes might benefit you.

Drop a DM or email [email protected]

19/07/2024

Setting aside backup or emergency funds can be one of the best ways to feel financially secure. But where do you even start, especially when finances may already be tight?

Here are some tips on how to start an emergency fund:

✔️ Set up an automatic payment that transfers into a savings or transactional mortgage account.
✔️ Start small and get used to putting aside that amount. Every little bit helps.
✔️ Test your willpower by giving up coffee, alcohol, or takeaways for a week and see how much you save.
✔️ If you’re struggling to leave your savings account alone (and you don’t genuinely need to spend it), ask your NZHL Mortgage Mentor for help – there are options to limit your ability to access your savings.

Hopefully, you'll never need to use your emergency fund. But at least you'll have peace of mind that you have money set aside for a rainy day!

12/03/2024

With a noticeable shift in buyer's market presence, buyer concerns have grown, with monetary policy causing a reversal in interest rate concerns. However, high appraisal requests have resulted in falling FOMO levels.

Find out what real estate agents say in the NZHL Property Report By Tony Alexander. Read the report here - https://hubs.la/Q02nSlJz0

*Please note - Tony Alexander is an independent economist. His views are his own and not necessarily shared by NZHL or vice versa. The NZHL Property Report by Tony Alexander is based on the findings of a monthly survey of licensed real estate agents conducted by Tony and is brought to you by NZHL in a sponsored capacity.

09/01/2024

HAPPY NEW YEAR!

We're almost halfway through the first month of 2024.

Time to review what you already have in place and see if they're still beneficial to you.

Be it your home loan structure, insurance cover, and overall financial plan, you MUST revisit them NOW.

For those who have insurance cover with AIA, you may access your policy by registering at https://my.sovereign.co.nz/s/login/?ec=302&startURL=%2Fs%2F

For access to DEBTNAV, please log on at www.debtnav.co.nz

If you are our client, please avail of our offer to review your Debtnav Plan and Insurance Protection Plan. That was and still is, our commitment when you began your journey with us. If you have not received an email or a call, please contact us at [email protected] or ph 09 550 6672.

Our team is always happy to help and serve YOU.

All the very best!

NZHL-Northcote Team

21/12/2023

https://www.facebook.com/nzhlcompany/posts/pfbid0249yxHtonz332w5NRR3aL7mLnFMPxVwmeXnX3dA6JYi7jzeHhoC68fWj1Hw8pPi7nl

According to real estate agents, buyers’ concerns are shifting but what’s still bothering them?

Plus, how is housing market activity pre-Christmas, what happening with house prices, and is FOMO still motivating buyers?

Find out in the final The NZHL Property Report by Tony Alexander for 2023. View the report here - https://tinyurl.com/4mm82h2k

*Please note - Tony Alexander is an independent economist. His views are his own and not necessarily shared by NZHL or vice versa. The NZHL Property Report by Tony Alexander is based on the findings of a monthly survey of licenced real estate agents conducted by Tony and is brought to you by NZHL in a sponsored capacity.

20/12/2023

HAPPY SAD: MORTGAGE FREE IN JUST 12 YEARS!


We are elated that one of our earliest NZHL-Northcote clients achieved Financial Freedom in just 12 years, saving them $132k on interest costs, and an effective interest rate of 3.44% (straight-line)!

They have since become family to us thus sad to let them "go". But they're now planning to buy a rental property, so the fun with them will still continue.

I'm sharing the email they sent this morning ---
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Dear Rex, Joan and Team,

Daisy and I would like to express our huge gratitude to NZHL team specially to You and Joan, for guiding us throughout the entire journey of our home loans (from purchasing the property until being mortgage free). The inputs and advices that you gave, helped us big time in making the mortgage payments a thing of the past.

Again, thank you heaps...as you made our life easy during our homeloans. We still were able to live our life the way we wanted during those times.

Norman and Daisy
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Making a difference in others' lives feels so good and satisfying.
This is the reason why we do what we do..

Here's wishing everyone all the best of the Season!

Team NZHL-Northcote

15/08/2023

Are you saving for a house and wondering what could help your home loan application? Limiting your short-term debt by avoiding ‘buy now pay later’ payment plans can be a good idea, as this can sometimes impact or limit your ability to borrow.

Tap below to read more tips on how to get your finances looking great before applying for your first (or next) home loan.
https://hubs.la/Q01YWdnS

13/07/2023