Vega Mortgages - Tim Oliver - Queenstown

17/02/2025

The latest Vega Mortgages Update is Out!

Inside you will find…

✅ The 2025 Mortgage Market Outlook
✅Market Trends & Buyer Insights
✅Lending Trends - What's Changing?
✅Who's Offering the Lowest Interest Rate?
✅Looking Ahead to 2025

https://mailchi.mp/01da9e32f745/vega-september-update-18075383

For more information about how this could impact you, contact Tim on 02102956499 or email [email protected].

Tim Oliver is a Financial Adviser for Vega Mortgages. The information provided in this article is not intended to constitute advice to any person.

10/02/2025

Good article for first home buyers…

Home loan affordability improved significantly for first home buyers in 2024 thanks to three key factors

05/02/2025

The latest Vega Mortgages Update is Out!

Inside you will find…

📈 Inflation Holds Steady
💲 OCR: What to Expect
📉Interest Rates Trending Down
❔Who's Offering the Lowest Interest Rate?

Click here to find out more ➡https://mcusercontent.com/8fe69393d1f72458ea57c36af/files/ebec56bd-69bf-1ade-8f3e-e557d245cd22/VegaUpdate_February_p1v2.pdf

For more information about how this could impact you, contact Tim on 02102956499 or email [email protected].

Tim Oliver is a Financial Adviser for Vega Mortgages. The information provided in this article is not intended to constitute advice to any person.

24/07/2024

🌷☀ Spring is just over a month away. 👏👏

If you want to buy a house or refinance your existing mortgage, now is a good time to start getting your ducks in a row.

Interest rates are starting to come down, house prices are falling across a lot of the country 🙏 and there is plenty of choice for buyers. 🏘

Here are a couple of things that you can do to improve your chances of getting approval at the bank…

🔥Tidy up your bank statements
🔥 Get rid of any unarranged overdrafts
🔥 Get rid of unnecessary spending
🔥 Pay off and close short-term debts
🔥 Buy now pay later schemes
🔥 Close OD’s on your bank accounts
🔥 Other short-term debts – car loans, personal loans etc
🔥 Reduce the limits on your credit cards
🔥 Start conversations with family members about the chance of getting a gift to add to your deposit
🔥 Save more

If you would like to talk with an adviser about your own particular circumstances, please send us a private message , or call 021 0295 6499 for a private, obligation-free chat with Tim. 📞

Tim Oliver is a Financial Adviser for Vega Mortgages. The information provided in this article is not intended to constitute advice to any person.

30/12/2023

“Living within your means” is getting harder for most families, where the cost of basic necessities rises without a matching increase in income.

Understanding how to manage your money begins with your mindset.

The decision-making process about spending money is usually simple - you either spend it or you don’t, however when you do spend money, choices need to be made that help you move forward, rather than set you back.

Here are some tips to help you develop your mindset into spending for long-term gain, rather than short-term fixes.

https://www.firstmortgagesnz.co.nz/the-mindset-of-money-management/

23/12/2023

When buying a home, it pays to have a supportive network of family and friends around you, however, these people don’t necessarily make buying a home easier.

The team of professionals you choose to enlist will determine how simple the house-buying process is, and if done correctly, they can minimise the time it takes for you to be able to place the key in the lock of your newly bought home.

When gathering your team together - consider the following points:

https://www.firstmortgagesnz.co.nz/getting-the-right-team-together/

20/12/2023

Is property investment something that you have thought about but aren't sure where to start?

Read on to find out why a Mortgage Broker is the person to talk to!

Here are some ways a mortgage broker can help you determine if investing in properties is the right move for you:

17/12/2023

Goal setting is the cornerstone of preparing for mortgage lending applications.

To be successful, you need to have your ducks in a row and be able to prove to the lenders that you are more than ready.

Often, this comes with making changes to your income/outgoings, making sacrifices and having patience and perseverance.

When your finances are in chaos, it can be hard to know where to start.

That is where Vega Mortgages come in. We take a look at your current financial situation and help you get clarity, set goals, and give you an actionable plan so that when it comes time to start making applications, you do so with more confidence.

To take advantage of our expert advice, contact us at [email protected] or call us on 0800 468 731.

13/12/2023

When it comes to buying a house, the best advice is one that benefits you, and not the person giving it.

Can A Home Loan Broker Find You A Better Deal?

Read on to find out...

https://www.firstmortgagesnz.co.nz/can-a-home-loan-broker-find-you-a-better-deal/

Homeowners are exploring refinancing options when they believe they can secure more favourable loan terms. Here's how a home loan broker...

10/12/2023

Do you have Kiwisaver?

If the answer is yes, have you considered using it for purchasing your first home but don’t think you have enough for a deposit?

There are many myths about Kiwisaver and First Home Purchases, so we wrote a blog to help clear up some common misconceptions.
Have a read and then reach out for a chat

https://www.firstmortgagesnz.co.nz/myth-vs-fact-using-kiwisaver-to-purchase-a-house/

06/12/2023

How do you know if a Mortgage Broker is the right person to help you achieve your goal of owning your first home?

Read on to find out more:

Who Is The Best Mortgage Broker For First Home Buyers? Dec 6, 2023 | 0 comments The activity of first-home buyers in the real estate market continues to show strength. This could be attributed to various factors that make it an opportune time for first-home buyers to enter the property market. A goo...

04/12/2023

If you say one of these statements, you need to have a chat with Vega Mortgages!

👉 I want to buy a house but don’t know where to start.
👉 I have existing debt that stops me from applying for a mortgage.
👉 I don’t earn enough.
👉 I don’t have enough deposit.
👉 Someone has told me that my credit record will stop me from buying a house.

Contact us at [email protected] or call us on 0800 468 731 to learn how to say something different!