HG Mortgage Advisor - Vega Lend NZ

HG Mortgage Advisor - Vega Lend NZ Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from HG Mortgage Advisor - Vega Lend NZ, Mortgage brokers, 152 Fanshawe Street, Auckland.

✅ Feel calm and in control. Get the best deal, expertly chosen.Let's Chat:Harry Ghadiali Mortgage Advisor 📞 Phone: 020 4...
14/11/2024

✅ Feel calm and in control. Get the best deal, expertly chosen.

Let's Chat:
Harry Ghadiali
Mortgage Advisor
📞 Phone: 020 450 4050
📧 Email: [email protected]

Speed in Action! 🚀Last week, we received an urgent referral from a valued client needing help for his tenant, who was in...
30/10/2024

Speed in Action! 🚀
Last week, we received an urgent referral from a valued client needing help for his tenant, who was in a unique and challenging situation:

🔹 Needed to settle on a section she bought 2 years ago for $350k, now valued at $530k!
🔹 Vendor terminating contract in 3 days for non-settlement after one-week extension
🔹 Client going through a divorce and currently overseas.

In just 52 hours after receiving that email, Vega and the amazing team at Finbase had the deal approved, documented, and funded!

Just a little humour as we get closer to Halloween—Don’t let high interest rates scare you away!Let's Chat:Harry Ghadial...
28/10/2024

Just a little humour as we get closer to Halloween—Don’t let high interest rates scare you away!

Let's Chat:
Harry Ghadiali
Mortgage Advisor
📞 Phone: 020 450 4050
📧 Email: [email protected]

"Mortgages aren’t just about numbers; they’re about turning houses into homes and dreams into realities."
22/10/2024

"Mortgages aren’t just about numbers; they’re about turning houses into homes and dreams into realities."

Your KiwiSaver might feel small now, but with time, it can make a massive difference to your long-term wealth.
15/10/2024

Your KiwiSaver might feel small now, but with time, it can make a massive difference to your long-term wealth.

📢 Great Announcement 📢 🤑OCR RATE DROP🤩 Great exciting news for home-owners and new buyers 👍 OCR drop of 0.50% - Official...
09/10/2024

📢 Great Announcement 📢

🤑OCR RATE DROP🤩

Great exciting news for home-owners and new buyers 👍

OCR drop of 0.50% - Officially announced by RBNZ today.

One of the largest banks is offering a 5.59% p.a. interest rate for 1 year 🤑

Contact for inquiries:
Harry Ghadiali
Mortgage Advisor
📞 Phone: 020 450 4050
📧 Email: [email protected]

Reasons Why You Need a Financial Adviser:Get expert advice, reduce stress, and see the bigger picture!Let's Chat:Harry G...
07/10/2024

Reasons Why You Need a Financial Adviser:
Get expert advice, reduce stress, and see the bigger picture!

Let's Chat:
Harry Ghadiali
Mortgage Advisor
📞 Phone: 0204504050
📧 Email: [email protected]

Tip of the Month: when interest rates decrease, you keep your mortgage repayments at the same level. This means that you...
02/10/2024

Tip of the Month: when interest rates decrease, you keep your mortgage repayments at the same level. This means that you can pay off your principal quicker and forms a buffer for when the interest rates increase in the future.

Not everyone can keep paying the same amount, and that’s okay! The most important thing is to find a way that works best for you.

Let's connect:
Harry Ghadiali
Mortgage Advisor
📞 Phone: 0204504050
📧 Email: [email protected]

From "Maybe Someday" to "Move-In Day"! 🏡Let’s work together to make your "someday" happen sooner than you think!Feel fre...
27/09/2024

From "Maybe Someday" to "Move-In Day"! 🏡

Let’s work together to make your "someday" happen sooner than you think!

Feel free to contact me:
Harry Ghadiali
Mortgage Advisor
📞 Phone: 0204504050
📧 Email: [email protected]

When you've decided to get a home loan or refinance an existing one, there are many options to consider. With so many mo...
26/09/2024

When you've decided to get a home loan or refinance an existing one, there are many options to consider. With so many mortgage choices available, it’s essential to understand your goals and timeframe. Interest rates, fees, and opt-out options can vary depending on the structure of your mortgage and the lenders I work with.

Check out our mortgage types overview in the pictures! If you find it overwhelming or unclear, that’s what I'm here for.

Have questions? Don’t hesitate to reach out!
Harry Ghadiali
Mortgage Advisor
📞 Phone: 0204504050
📧 Email: [email protected]

🌿 Māori Language Week 🌿We’re sharing key Māori financial terms this Māori Language Week:Investment – HaumitangaFirst Hom...
20/09/2024

🌿 Māori Language Week 🌿

We’re sharing key Māori financial terms this Māori Language Week:

Investment – Haumitanga
First Home – Kāinga tuatahi
Financial Adviser – Kaitūtohu ahumoni
Loan – Taurewa

If you need assistance or have questions, feel free to contact me.

Harry Ghadiali
Mortgage Advisor
📞 Phone: 0204504050
📧 Email: [email protected]

̄ori

VEGA UPDATESEPTEMBER 2024New Zealand’s Economic Landscape:• Interest Rate Cut and Its Impact. Last month, the Reserve Ba...
13/09/2024

VEGA UPDATE
SEPTEMBER 2024

New Zealand’s Economic Landscape:
• Interest Rate Cut and Its Impact. Last month, the Reserve Bank of New Zealand (RBNZ) made a significant move by lowering the OCR by 25 basis points to 5.25%. This marks the first cut in four years, signaling a shift in monetary policy. In response, banks across the country have followed suit, reducing interest rates on various financial products. This change is expected to bring some relief to mortgage holders, potentially easing household costs in the coming months.
• Commercial Property Market. The New Zealand commercial property market continues to face challenges, with several factors contributing to its soft performance: high interest rates (despite the recent cut), increased adoption of remote working, continued rise in online shopping. These trends are putting pressure on demand for commercial spaces, particularly in retail and office sectors.

Mortgage demand and financial hardship trends (August Centrix Report):
• Mortgage demand remains subdued, with home loan application enquiries down 1.5% year-on-year. Overall consumer credit demand is down 3% year-on-year. Auto loan demand saw a significant 22% drop, while credit card applications increased by 5% but remain 40% below pre-pandemic levels.
• Mortgage delinquencies. There was a slight improvement in mortgage delinquencies, with 21,000 home loans past due, a decrease of 500 from last month, though still up 12% year-on-year.
• Financial hardship cases increased by 27% to 13,850 in July, reflecting the ongoing cost-of-living crisis, though many consumers are responsibly managing their financial difficulties.

Market Shifts:
• Market Conditions Shift: New market conditions are creating a brighter outlook for small investors and relocating owner-occupiers.
• New-Builds vs. Existing Properties: Recent tax rule changes have lessened the distinction between new-builds and existing properties for some buyers, but LVR and DTI rules still favour new-builds, maintaining strong interest in this segment.
• Increased Share for New-Builds: The share of new-build purchases by mortgaged MPOs increased from around 25% in 2020 to over 30% in 2022 and has remained high through 2023 and 2024.
• First Home Buyers: Expected to maintain a strong presence due to access to KiwiSaver for deposits and strong hold on low deposit lending allowances.
• Investors: Potential for increased activity as the gap between mortgage rates and rental yields narrows. Possible shift towards existing stock. DTI rules may keep many focused on newbuilds.
• Movers: Potential increase in activity due to pent-up demand from recent years of inactivity and Improving conditions for selling current properties.

Harry Ghadiali
Mortgage Adviser
M: 020 450 4050
Email: [email protected]

*None of the above is intended to be financial advice so please discuss your situation with a financial adviser at Vega for your personal options.

Address

152 Fanshawe Street
Auckland
1010

Telephone

+64204504050

Website

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