Go Mortgages - Tony Ridley

16/05/2021

ASB launches 'Back My Build' with 1.79% variable rate.

Whether you’re purchasing a home and land package or building your dream home, the Back My Build variable rate might be perfect for you. Find out more.

03/08/2020

🏠Thinking of buying for the first time, but hesitant to jump in?

Things are shifting frequently in the mortgage space at the moment, and some of the big banks have just changed their rules. Some banks are dropping their low deposit interest rates and tuning their credit criteria to allow customers to borrow more. The difference between banks is the widest I have seen in some years.

This is great news for first home buyers, and a number of other scenarios. 🏡

I’d love to chat to you about what this means for you, and work with you where you’re at. Just send me a FB message, or give me a call: 021 754 350 📱

You can also sign up to receive industry insights in my monthly newsletter here https://www.facebook.com/gomortgages/app/100265896690345

Check out our website here www.gomortgages.co.nz

25/06/2020

🏘 Where are you at with your property plans right now? ❓ ❓❓
The Reserve Bank of New Zealand has just made another LVR announcement: Banks can now lend up to 80% for investment property purchases.

🏘 The LVR (loan-to-value ratio) is a measure of how much a bank lends against a residential property, compared to the value of that property. Over the past week most major banks have announced they will consider 20% deposit/equity on investment properties: this lowers the amount you need to bring to the table to be able to buy an investment property. 🚪

🏘 It’s good to see that most of the banks have come to the party. However, the banks all vary a bit with what they’re offering, so contact me today to chat about your situation and we can find the best match for you.

👉🏽Conditions and restrictions vary, so give me a call today and we can discuss where to from here, for your property needs.
Tony Ridley 021754350
www.gomortgages.co.nz

20/06/2020

Insight: First home buyers come to the party rearing to go✨👏💃 But someone forgot to invite the vendors. Understand the
three impacts that are affecting the mortgage market:
https://mailchi.mp/8c8e4bf15e64/insightfirst-home-buyers-come-to-the-party-rearing-to-go?fbclid=IwAR3jH1eZXW96mFBV181r9h2mEOg0qxUvol1KY0u7LyQqmazKje74oNUfTpg

19/05/2020

Market Insight: What's happening with buyers and lenders this month🏡 - https://mailchi.mp/15fcac1c7a67/an-autumn-update-for-you-from-go-mortgages-643550

06/05/2020

How do you ensure you’re informed and get the best deal possible, when it’s time for your new mortgage? I’m Tony, and I’ve been looking after mortgages for New Zealander's for over a decade now. 🇳🇿

My 25+ year background in finance, insurance, IT and sales ensures I bring a multi-faceted approach to the table when it’s time to get you the best deal from the bank. 🏡

I’m here to keep the bank honest, and unscramble the financial jargon for you, while we get you a great deal. 🔎 One of the perks of the job for me is building long-term relationships with repeat clients, who regularly get back in touch again as they trust I can get things sorted quickly and well for them. 🤝

In working hard for you to get the result you need, I get to do what I know, and ensure you are able to focus on the other stuff. 🔑
Contact me today, so I can get stuck into the process of sorting things for you. Let’s talk! ☎️ 021754350
Join my monthly email campaign for industry updates and lending insights here https://www.facebook.com/gomortgages/app/100265896690345

05/05/2020

First home buyers, what side of the fence are you on when it comes to Rent vs Interest?❓❓❓
The concept of dead money can be overwhelming - and polarising! 💵 Whether you’re a renter or considering a mortgage, dead money is part of the equation. While rent is entirely dead money, when it comes to a mortgage, it's the interest component. 🏡

👉🏽 This is relevant to you right now, because the difference between what you pay in rent is getting much closer to the interest on a mortgage, for the same house. This is worth noting, whatever your current property status! 🏘

Many real estate companies produce regular breakdowns of average house prices, average weekly rent and gross yield. Check out the info for the suburb you’re interested in. https://bit.ly/2YAtjz2. You may be surprised at what you see and the similarity between rent and interest.🚪

For example:
🔑If you buy in Glenfield/Torbay with a 10% deposit on an $880K property costs $595 rent versus $655 interest p/w. With a 20% deposit, this becomes $413 interest p/w.

🔑If you buy a $790K property in Swanson/Titirangi with a 10% deposit it will cost $595 rent versus $588 interest p/w. A 20% deposit makes this $371 interest p/w.

Each person’s finances and circumstances differs, and there is no one size fits all piece of advice in this area. But, it’s helpful to start the conversation around the worth of buying a property, rather than shelling out on rent. 🔑 🔑

Keen to find out more? Message me today to sign up for my newsletter (in the tab above). I’d love to talk with you! - Tony ☎️ 💻 📞 🖥
www.gomortages.co.nz

Mortgages Debt Reduction Make Contact Mortgage brokers are here to save you time At Go Mortgages, we do all the running around for you so that you get an excellent rate of interest on a loan that works for your set of circumstances. As well as knowing who to go to, we also know that speed …

25/03/2020

Tips for your mortgage in these uncertain times (Covid-19)
I have been getting a number of calls from clients so I thought I'd post a group email here - http://eepurl.com/gWVLEn

The banks are still sorting out how they will roll out mortgage holidays, etc. I will post updates on this page as they come to hand.

Hi   I hope this email finds you well. I have been getting a lot of questions from you about your mortgages in this current environment. It's fair to say we’re living in unprecedented times, and everyone is responding in different ways to what’s happening right now. We're repe...